$2K – $150K
Loan Range
2 – 20 Yrs
Terms Available
600+
Min. FICO Score
Unsecured
No Lien · No UCC1
$99 Min.
Monthly Payment
0.25% Off
ACH Auto-Pay Discount
Loans over $50,000 require additional income verification via Plaid or document upload · Staged funding available for eligible partners
Credit-Based Program
FICO scores down to 600 · No dealer fees
| FICO Score | Interest Rate | Dealer Fee | Payment Factor |
|---|---|---|---|
| 780+ | 8.74% – 9.74% | NONE | 0.88% – 0.95% |
| 720 – 779 | 10.24% – 13.24% | NONE | 0.98% – 1.19% |
| 660 – 719 | 14.24% – 17.24% | NONE | 1.26% – 1.65% |
| 600 – 659 | 18.99% | NONE | 1.77% |
600–659 may receive limited offers or stricter terms
Fixed-Rate Program
FICO 660+ · For scores under 660, use Credit-Based above
| FICO Score | Interest Rate | Dealer Fee | Payment Factor |
|---|---|---|---|
| 660+ | 8.99% | 5.99% | 0.90% |
| 660+ | 9.99% | 3.99% | 0.96% |
| 660+ | 10.99% | 1.99% | 1.03% |
| 660+ | 11.99% | NONE | 1.10% |
Same As Cash Program
16.99% fixed rate applies if not paid in full within the promotional period
| 12 Month | 18 Month | |
|---|---|---|
| Dealer Fee | 4.25% | 6.75% |
What is the Payment Factor?
- A multiplier used to calculate the monthly payment on a loan
- Based on the longest possible term — 20 years
- Lower payment factor = lower rate · Higher factor = higher rate
- Example: 0.88% factor pairs with 8.74% rate · 0.95% factor pairs with 9.74% rate
Loan Amount × Payment Factor = Monthly Payment
Example: $20,000 at 8.74% → $20,000 × 0.0088 = $176/mo
Quick Payment Calculator
Loan Amount ($)
Rate / Factor
Est. Monthly Payment
Based on 20-year max term
$176
Loan Type
Unsecured
No lien · No UCC1 filing
Loan Range
$2,000 – $150,000
$50K+ needs income verification
Terms
2 – 20 Years
Payment factor based on 20-yr max
Min. FICO
600
600–660 may get limited offers
Credit Pull
Soft → Hard
Hard only after loan fully funded
Min. Payment
$99 / mo
Regardless of loan amount
Offer Types
- Same As Cash — interest waived if paid in full during promo period
- Payment Deferment — interest still accrues during deferment
- No Prepayment Penalties on all programs
Approval Status Types
ApprovedPre-Qualification — valid for 30 days
PendingWith lender — manual review required
No OffersDeclined or not qualified
Eligibility Rules
- Customer must be on the property title
- Residential only — no commercial or LLC-owned homes
- Mobile homes: No financing available. Modular homes: eligible only if customer owns land + home on a permanent foundation
- Application sent via personalized email link or customer scans your QR code
Change Orders
- Only 1 change order per customer
- Minimum change: $500
- Must complete within 180 days of initial pre-qualification
Funding Timeline
- Customer confirms completion via email → 3–7 business days
- Manually close the loan if not requesting final funding
- Once closed, no additional funds can be requested
Customer Payment Options
- No credit cards — ACH or debit cards only
FNBO Support
Support Hours
Monday – Friday · 8 AM – 7 PM CST
Direct customer questions to FNBO support. Do not resolve loan issues on behalf of the customer.
PowerPay
Unsecured · No lien · $1.5K–$100K · FICO 600+ · Stage funding available
$1.5K – $100K
Loan Range
Unsecured
No Lien · No UCC1
600+
Min. FICO Score
$99
Activation Fee
6 Months
App Validity
Available
Stage Funding
Soft pull on application · Hard pull only after loan goes live · Best to sign within 30 days of approval
Loan Programs
All programs: $1,500–$100,000
| Loan Type | Promo Term | Term (Yrs) | Rate | Merchant Cost |
|---|---|---|---|---|
| Installment Level 1¹ | N/A | 5 | 10 | 15 | 8.99% – 12.99% | NONE |
| Installment Level 2 | N/A | 15 | 15.99% | 7% |
| No Interest No Payment² | 3 | 6 | 12 | 18 mo | 10 | 12.99% | 3% | 6% | 8.5% | 11% |
¹ Optional buydowns available for additional 4% fee (e.g. 11.99% → 9.99% = 8% merchant fee).
² No payments or interest during promo. At promo end, equal amortized payments begin on remaining balance.
² No payments or interest during promo. At promo end, equal amortized payments begin on remaining balance.
Selling Points
- Installment: Fixed monthly payments help customers budget. $10,000 / 15-year Level 1 or 2 ≈ $100–$146/month
- No Interest No Payment: $0/month during promo. $10,000 / 12-month NINP = $0 for 12 months, then ~$157/month
Basic Requirements
- Min. credit score: 600
- Soft pull on application; hard pull only after loan goes live
- Only 1 person on title required — must live in same state
- State-issued driver's license or ID always required
- Self-employed: 2 years of tax returns required
- No heavy income verification stips required
Property Eligibility
- Condos and townhomes — accepted
- Mobile homes — land ownership required
- Modular homes — must own land + home, on permanent foundation
- No commercial or LLC-owned properties
Loan Features
- Change orders allowed up to full approved amount
- No prepayment penalties
Required Documentation
- Install Agreement — always required
- Driver's License — always required
Upload Symbol Guide
Red — Not verified, action needed
Green — Verified, good to go
Upload icon — Document upload required
Dealer Info
All Storm Dealer ID
26934
Use this ID when setting up new loans or referencing your account with PowerPay support.
Portal Messaging
You can message PowerPay directly through the loan portal for any questions or concerns. Faster than calling — use it.
💡 Use portal messaging for completion questions, change orders, or funding concerns.
Completion & Funding
- Completion Form — emailed directly to the customer
- OMI (Order Management Inspection) — submit completion photos through the portal (e.g. roof)
- Typically 3–5 business days after completion confirmed
Loan Closure Rules
- Manually close the loan if not requesting final funding
- Once closed, no additional funds can be requested
- Change orders up to full approved amount
Up to $55K
Max Loan Amount
5 – 15 Yrs
Terms Available
0.50% Off
Autopay Discount
No Upfront
No Upfront Costs
Unsecured
Files UCC1 Lien
You Own It
Customer Owns System
⚠️ GoodLeap is strict on project eligibility. Only projects on the approved list can be financed. See the "Eligible Projects" tab before submitting.
Standard Installment Rates — All Eligible Categories
Rates 6.99%–12.99% · Available across 5, 7, 10, 12, and 15-year terms · Both "Home Improvement" and "Roofing/Windows/Doors/Siding/Geothermal/Restoration" categories share these rates
5-Year Term
| Rate | Dealer Fee |
|---|---|
| 6.99% | 11.75% |
| 7.99% | 9.75% |
| 8.99% | 8.25% |
| 9.99% | 6.25% |
| 10.99% | 3.75% |
| 11.99% | 2.50% |
| 12.99% | 0% |
7-Year Term
| Rate | Dealer Fee |
|---|---|
| 6.99% | 13.25% |
| 7.99% | 11.25% |
| 8.99% | 8.75% |
| 9.99% | 6.50% |
| 10.99% | 3.75% |
| 11.99% | 2.50% |
| 12.99% | 0% |
10-Year Term
| Rate | Dealer Fee |
|---|---|
| 6.99% | 15.25% |
| 7.99% | 12.50% |
| 8.99% | 9.50% |
| 9.99% | 6.75% |
| 10.99% | 3.75% |
| 11.99% | 2.50% |
| 12.99% | 0% |
12-Year Term
| Rate | Dealer Fee |
|---|---|
| 6.99% | 15.75% |
| 7.99% | 12.75% |
| 8.99% | 9.75% |
| 9.99% | 6.75% |
| 10.99% | 3.75% |
| 11.99% | 2.50% |
| 12.99% | 0% |
15-Year Term
| Rate | Dealer Fee |
|---|---|
| 6.99% | 16.75% |
| 7.99% | 13.25% |
| 8.99% | 10.25% |
| 9.99% | 7.25% |
| 10.99% | 3.75% |
| 11.99% | 2.50% |
| 12.99% | 0% |
0% APR with Autopay
Available on both Home Improvement and Roofing/Windows/Doors/Siding/Geothermal/Restoration categories
| Term | Rate | Dealer Fee |
|---|---|---|
| 2 Year | 0% | 14.75% |
| 3 Year | 0% | 18.75% |
| 4 Year | 0% | 22.75% |
| 5 Year | 0% | 25.75% |
| 6 Year | 0% | 28.75% |
No Interest if Paid in Full (Min. Payment Required)
10-year loan · 15.49% rate applies to remaining balance if not paid in full during promo
| Promo Period | Rate | Dealer Fee |
|---|---|---|
| 6 Month | 15.49% | 5.00% |
| 12 Month | 15.49% | 5.50% |
No Payment & No Interest if Paid in Full
10-year loan · No payments and no interest during promo. Rate applies to remaining balance if not paid in full.
| Promo Period | Rate | Dealer Fee |
|---|---|---|
| 3 Month | 9.99% | 6.50% |
| 3 Month | 11.49% | 4.50% |
| 3 Month | 15.49% | 3.00% |
| 6 Month | 9.99% | 9.25% |
| 6 Month | 11.49% | 8.25% |
| 6 Month | 15.49% | 6.50% |
| 12 Month | 9.99% | 11.25% |
| 12 Month | 11.49% | 10.25% |
| 12 Month | 15.49% | 8.00% |
Lower rate = lower dealer fee. Rep selects the rate/dealer fee combination at time of application.
⚠️ GoodLeap will not finance anything outside of this list. If the project isn't below, use Slice or PowerPay instead.
Eligible Projects
Roofing
Windows
Doors
Siding
HVAC
Geothermal Heat Pumps
Plumbing
Whole House Fan
Smart Home
LED Lights
Water Efficiency
Generators
Solar Thermal
Pool Pumps
Artificial Turf
Water Efficient Landscaping
EV Chargers
Water Heating
Home Performance
Battery Storage ✓
All Lenders — Battery Storage Policy
Battery & home storage systems are approved on GoodLeap, Slice, and PowerPay. Solar panels are NOT eligible on any lender.