Flexible Remodeling Payment Options
Financing Options for Your Home Remodeling Project
A major renovation is an investment in how your home looks, functions and supports your family. A1 Turns LLC offers third-party financing options that may help qualified homeowners move forward with kitchen, bathroom, basement and whole-home remodeling projects while managing the cost over time.
Financing is subject to credit approval, available programs and lender terms.
Plan the Project and the Payment
A Remodeling Plan Should Work for Your Home and Your Finances
A1 Turns LLC helps homeowners evaluate the complete project before deciding how to pay for it. That includes the construction scope, material selections, estimated project cost, priorities and available financing options.
Financing may allow a qualified homeowner to complete a larger portion of a project at one time, select materials that better support the long-term plan or preserve cash for other priorities. It is still important to review the interest rate, fees, payment schedule, promotional period and total cost before accepting any loan.
Define the project scope
Select materials and finishes
Review the project estimate
Consider available payment options
Review lender disclosures
Choose the approach that fits the household budget
Current Financing Program
Financing Available Through the GreenSky® Loan Program
A1 Turns LLC currently offers qualifying customers access to financing through the GreenSky® Loan Program.
The GreenSky Program is administered by GreenSky and connects customers with participating financial institutions that provide consumer loans for approved home-improvement purchases. GreenSky and GreenSky Servicing are not lenders. Credit decisions, available plans, rates, fees, credit limits and loan terms are determined by the participating program lender.
Depending on the program available at the time of application, customers may be presented with installment-payment options or promotional financing plans. The specific options available to one customer may differ from those offered to another customer.
Financing may be available for all or part of an approved project, depending on the customer's approved credit amount and applicable program terms.
How the Financing Process Works
From the first project conversation to material ordering and scheduling, here is what to expect when financing is part of the plan.
1
Step 1: Discuss the Project
Meet with A1 Turns LLC to discuss the rooms being remodeled, project goals, desired materials, expected scope and approximate investment.
2
Step 2: Receive a Project Estimate
A1 Turns LLC prepares an estimate or proposal based on the approved project direction and known existing conditions.
3
Step 3: Review Financing Availability
Customers interested in financing can access the current third-party application process provided by A1 Turns LLC.
4
Step 4: Apply Securely
The customer completes the application through the financing provider's secure system. A1 Turns LLC's normal contact form does not request Social Security numbers, dates of birth, bank account numbers, credit-card numbers, income-verification documents, driver's-license numbers or financing-account numbers.
5
Step 5: Review the Offer
The participating lender determines approval and provides the applicant with the applicable credit limit, interest rate, payment terms, fees and disclosures. The customer should review the complete agreement before accepting the financing.
6
Step 6: Coordinate the Project
After financing approval, acceptance of the loan agreement and completion of the A1 Turns construction agreement, the project can move into material ordering and scheduling. Financing approval alone does not reserve a construction date. A signed construction agreement and any other required project conditions are still necessary.
Financing for Projects Large and Small
The following project categories may qualify for financing through the available program. Eligible purchases and approved amounts depend on the applicable financing program and approved credit.
Kitchen Remodeling
Potentially finance cabinets, countertops, flooring, tile, installation, appliances and other approved portions of a kitchen renovation.
Bathroom Remodeling
Potentially finance custom showers, tile, vanities, countertops, glass enclosures, fixtures, flooring and related labor.
Basement Finishing
Potentially finance drywall, flooring, painting, trim, interior improvements and other approved portions of a basement project.
Whole-Home Remodeling
Coordinate financing considerations for connected improvements across several rooms.
Decks and Outdoor Living
Ask whether the current program can be used for eligible decks, porches, railings and outdoor improvements.
Premium Materials
Ask about including qualifying cabinets, countertops, flooring, appliances and finish materials in the complete remodeling proposal.
Questions to Review Before Financing a Remodel
A promotional payment plan can be useful, but customers should not choose a plan based only on the advertised monthly payment. The interest structure, total repayment amount and consequences of missing a promotional payoff deadline matter as well.
What is the total project cost?
What amount will be financed?
What is the annual percentage rate?
Is there an origination or account-activation fee?
When is the first payment due?
Is interest accruing during a promotional period?
What happens if the balance is not paid before a promotional period ends?
Is the payment fixed?
Can the loan be paid off early?
Are there prepayment penalties?
Which project costs are eligible?
How will project changes affect the amount financed?
Frequently Asked Questions About Remodeling Financing
Direct answers to common questions about how financing works with A1 Turns LLC, who makes credit decisions and what to expect from the process.
Does A1 Turns LLC provide the loan?
No. A1 Turns LLC is the remodeling contractor and participating merchant. Financing is provided through third-party financial institutions. A1 Turns LLC does not make credit decisions or determine final loan terms.
Is financing approval guaranteed?
No. Every application is subject to credit approval, lender requirements and program availability.
Can I finance 100% of my remodeling project?
Financing may cover all or part of a qualifying project when the approved credit amount is sufficient. Approval for the complete project cost is not guaranteed.
What financing company does A1 Turns currently use?
A1 Turns LLC currently offers financing through the GreenSky® Loan Program. Financing providers and available programs may change as A1 Turns evaluates options for its customers.
What interest rate will I receive?
Rates and terms depend on the program and participating lender. The applicant must review the offer and lending disclosures to determine the actual rate, fees and payment requirements.
Does applying affect my credit?
The customer should review the current GreenSky application disclosures before applying. The financing provider will explain whether and when a consumer credit report may be requested.
Can I finance materials purchased through A1 Turns?
Qualifying materials included in an approved project may be eligible, depending on the loan program, approved amount and transaction requirements.
Can I pay part in cash and finance the remainder?
This may be possible depending on the construction agreement and financing program. A1 Turns LLC should confirm the payment structure before the project begins.
Does financing reserve my project date?
No. Financing approval does not independently reserve a construction date. Scheduling is governed by the signed A1 Turns LLC project agreement, required deposits or financing authorizations, material availability and project readiness.
Can the financing provider change?
Yes. A1 Turns LLC may review or change third-party financing providers as programs, rates and customer options change. The current provider and applicable disclosures will be presented before a customer applies.
Start With a Clear Project Plan
Understand the Work Before Choosing How to Pay for It
Request a remodeling estimate from A1 Turns LLC. Once the project scope and estimated investment are understood, the team can explain the current financing application process and available next steps.
Financing is subject to application, credit approval, program availability and the terms provided by the participating lender. Rates, fees, promotional periods, payment requirements and approved amounts vary. A1 Turns LLC is not a lender and does not make credit decisions.
GreenSky® is a registered trademark of GreenSky, LLC. The GreenSky® Program is administered by GreenSky and GreenSky Servicing, LLC on behalf of participating financial institutions. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by participating program lenders.
The exact disclosure must be compared with the current GreenSky merchant-marketing materials before publication.