Build Now, Pay Over Time
No interest if paid in full within 12 or 15 months, or a fixed rate stretched over 10 years. Check your options in minutes with no impact to your credit score.
$0
Interest if Paid in Full in 12–15 Mo
10 yr
Fixed-Rate Term Option
Minutes
To Check Your Options
GreenSky® Plans
Three Ways to Pay Over Time
Two interest-free windows and one long fixed-rate option. Pick what fits your timeline — we'll walk you through it.
No Interest for 12 Months
“Pay it off in a year and pay zero interest.”
interest if paid in full within 12 months
- No interest if paid in full within 12 months
- Low required monthly payment while you pay it down
- Pay early anytime — no prepayment penalty
- Great fit for a bonus, tax refund, or home-sale timing
Deferred-interest plan. Interest is charged from the purchase date if the balance isn't paid in full within the 12-month promotional period.
No Interest for 15 Months
“Fifteen months, zero interest, more breathing room.”
interest if paid in full within 15 months
- No interest if paid in full within 15 months
- Extra quarter of runway versus the 12-month plan
- Pay early anytime — no prepayment penalty
- Popular for larger decks and screen rooms
Deferred-interest plan. Interest is charged from the purchase date if the balance isn't paid in full within the 15-month promotional period.
Fixed Rate, 10 Years
“One fixed rate. One predictable payment.”
fixed APR for up to 120 months
- Fixed 12.99% APR — never changes
- 10-year term for the lowest monthly payment
- Pay early anytime — no prepayment penalty
- Ideal for bigger builds and full outdoor makeovers
Fixed-rate installment loan. Monthly payment stays the same for the life of the loan.
Payment Estimator
What Will My Project Cost Per Month?
Set your estimated project cost and compare payments across all three GreenSky® plans.
Estimated Project Cost
Pay It Off Interest-Free
$1,666.67
/mo for 12 months · $0 interest
Amount Financed
$20,000
Interest-Free Window
12 months
Required Monthly Payment
$463.07
minimum due each month
Standard Term
84 months
if you take the full term
Compare All Plans for $20,000
Estimates use GreenSky® payment factors and are for illustration only. On no-interest plans, interest is charged from the purchase date if the balance isn't paid in full within the promotional period. Actual terms depend on credit approval — apply through GreenSky® for exact figures.
Simple Process
How GreenSky® Financing Works
Get Your Quote
Contact us for a free estimate on your project. We'll walk you through scope, materials, and timeline.
Check Your Options
Prequalify through GreenSky® from your phone in minutes — checking your options doesn't impact your credit score.
We Get to Work
Once approved, we schedule your build. Pay over time while you enjoy the finished space — and pay it off early anytime with no penalty.
Financing for GreenSky® consumer loan programs is provided by federally insured, federal and state chartered financial institutions without regard to age, race, color, religion, national origin, gender, or familial status. GreenSky Servicing, LLC services the loans on behalf of participating lenders (NMLS #1416362). Subject to credit approval. Deferred-interest plans: interest is charged from the purchase date if the balance is not paid in full within the promotional period. Payment estimates are for illustration only and do not constitute a loan offer; actual terms are determined by the lender.
Ready to Get Started?
Get your free project estimate and we'll help you find the right financing plan.
Get a Free Quote