Consumer Lending

See your monthly payment before you sign.

For homeowners working with an approved Closer Capital contractor. Roofs, HVAC, bathroom remodels, windows, and insurance deductibles. Honest rates. No surprises.

Apply Now - It's Free How It Works
7.99-9.99%
APR
$5-50K
Loan range
13-72
Month terms
$10
Filing fee

Estimate your payment

Adjust the sliders to see what your loan could look like.

Loan amount
$25,000
$5,000$50,000
Term length
36 months
13 months72 months
Est. interest rate (APR)
8.99%
7.99%9.99%
Est. monthly payment
Total interest paid
Total repayment
Apply for This Amount →

Soft credit pull · No hidden fees · Pre-qualify in minutes

Qualification guidelines

Do you qualify?

Here is what we look for. Check most of these and you have a strong shot at approval.

640+
Credit Score
Minimum FICO
42%
Debt-to-Income
Maximum DTI
$5-50K
Loan Amount
For your project
13-72
Term Length
Months to pay back
7.99-9.99%
APR
Flat. No teaser rates.
ACH
Auto-Draft
Set it and forget it

Simple process

How it works

Step 01

Apply online

Fill out the application. Takes about 3 minutes. No hard credit pull at this stage.

Step 02

Get your terms

We review your file and a rep contacts you within 1 business day with your options.

Step 03

Funds released

Sign your agreement and funds go directly to your contractor. Work starts immediately.

Frequently Asked Questions

What can I use a Closer Capital homeowner loan for?
These consumer loans are for homeowners working with an approved Closer Capital contractor on projects like roofs, HVAC, bathroom remodels, windows, and insurance deductibles.
How much can I borrow and what's the rate?
Loans range from $5K to $50K, with a flat 7.99–9.99% APR and no teaser rates, over 13–72 month terms.
Will applying affect my credit score?
No. There's no hard credit pull at the application stage.
What credit score do I need?
We generally look for a 640+ credit score and a maximum 42% debt-to-income ratio.
How do payments work?
Payments are set up on ACH auto-draft, so it's set it and forget it. There's also a $10 filing fee.
How do funds get to my contractor?
Once you sign your agreement, funds go directly to your contractor and work can start immediately. A rep contacts you within 1 business day of applying with your options.

Ready to get funded?

Honest rates, real people, and money that goes straight to your contractor. Apply in minutes and it will not affect your credit score.

Start Your Application →

Soft credit pull · No hidden fees · For homeowners with an approved contractor