Flexible Financing

At 4 Life Construction, we believe every homeowner should have access to the improvements they need without financial stress. That’s why we offer fast and flexible financing options through our trusted lending partner.

With our Gold financing tier, qualified homeowners can review available loan offers in minutes, with no hard credit check required to view offers.

This allows you to explore financing options with confidence while planning your project.

Make Your Home Improvement Project Affordable with Simple Monthly Payments

Step 1

Apply Online

Click the application link below to securely submit your information.

Step 2

See Your Offers in Minutes

Review available financing options instantly without impacting your credit score.

Step 3

Choose Your Payment Plan

Select the loan terms that work best for your budget.

Step 4

Start Your Project

Once approved, you can move forward with your project and enjoy your new improvements.

See your offer in minutes with no hard credit check!

Option 1

12-month Same as Cash
No interest monthly payment.

Enjoy the flexibility of arranging payments anytime within a year of receiving the loan.

Interest accrues at 24.99% APR, but is waived if the loan is paid in full within 365 days.'

Option 1

Low monthly payment.
Starting at 4.99% APR

Break your project up into manageable monthly payments with no prepayment penalty. Available with the full range of 4.99%-10.99% APR.2

→ Loans up to $150,000

→ No down payment required

Start your application today and see your financing options in minutes.

APPLY NOW

Why Financing Helps

Financing allows homeowners to:

Start projects sooner
Spread costs into manageable monthly payments
Upgrade materials or expand project scope
Preserve savings and emergency funds

Many customers choose financing so they can complete their full dream project instead of delaying important improvements.

4 Life Construction participates in a contractor financing program through Nelnet Bank.

The pricing tier selected for 4 Life Construction is Gold.

For actual rates, customers should refer to the loan application link where personalized offers can be viewed within minutes without a hard credit inquiry.

Contractor fees and homeowner rates and terms are valid as of 02/20/2025 and are subject to change.

Please review the official disclosures and terms:

Contractor Terms & Conditions
https://www.nelnetbank.com/home-improvement-loan-contractor-terms-and-conditions/

Gold Tier Disclosure
https://www.nelnetbank.com/ratesandtermsdisclosureagra

Financing applied for and processed through the Buildertrend platform is provided by Nelnet Bank, Member FDIC (13907 South Minuteman Drive, Draper, Ul 84020) without regard to age, race, color, religion, national origin, sex, gender, handicap, or familial status. Loans offered to qualified consumers for the purpose of personal, household, or family use only. All loans subject to qualifying credit approval. Uffers are subject to change and may be discontinued at any time. Minimum loan amounts apply. Available loan amounts from $3,000 to $150,000. Checking your rate results in a soft credit pull, which will not affect your credit score. If you continue with your application, Nelnet Bank will request your permission to obtain your full credit report from one or more consumer reporting agencies. This is a hard credit pull and may affect your credit score.

1. No minimum monthly payment requirement and no interest for the first 12 months (365 days) from date funds are first disbursed to your contractor. Interest begins to accrue during this 12-month promotional period at a 24.99% fixed APR beginning from the date the funds are first disbursed to your contractor; but all interest is waived if the principal loan amount is repaid in full before the end of the 12-month period. Any outstanding amount, including principal and accrued interest, not repaid in the promotional 12-month period is subject to varying repayment terms thereafter of 60 to 180 months depending on the initial principal loan amount approved.

2. 4.99% to 10.99% fixed APR, based on creditworthiness, the length of the loan, and loan amount. Lowest rate available only to the most creditworthy applicants; not all applicants will qualify for the lowest rate. Repayment terms vary from 60 to 180 months depending on loan amount. The first principal and interest payment will be due 45 days from the date the funds are first disbursed to your contractor. Payment example: Monthly payments for a $40,000 loan at 7.91% APR with a term of 10 years would result in 120 monthly payments of $483.41.