Invest In Your Home

Smart home improvements like high-efficiency HVAC, efficient water heaters, windows, and insulation can help you save money and make your home more comfortable.

Great Consumer Terms

Financing should work for you, the homeowner. That’s why we offer low payments, flexible terms, and strong consumer protections.

  • Attractive financing rates & flexible options
  • Easy application process
  • Up to 12-year terms
  • Substantial credit lines
  • Credit underwriting that goes beyond FICO score

Eligible Home Improvements

You can finance a wide variety of home improvements to help you save money and make your home more efficient and comfortable, including:

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Improve the Comfort of Your Home

Windows, doors & shutters, insulation

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Protect Your Home from the Elements

Roofing and siding

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Use Energy & Water More Efficiently

High-efficiency HVAC (forced air, boilers, AC, heat pumps) and efficient water heaters (traditional & solar hot water systems)

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Invest in Emerging Energy & Efficiency Technologies

Electric vehicle charging infrastructure, fuel cells, batteries & storage devices

Spruce Financing Availability

Financing for water conservation and energy efficiency home improvements is available in every state.

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Thank you for your interest in Spruce financing

Our financing is available through a national network of channel partners. Please ask if your local contractor offers Spruce financing: if they don’t, they may apply to be an approved partner.

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