Loans up to
- Equity in your home is not required
- Poor, Fair, Good, Very Good, & Excellent credit welcome!
- No payment penalties & rates start at 5.99%
- Comparing your options won’t affect your credit score!
With Enhancify, setting up a payment plan just got easier. Get the money you need for your next home improvement project at the best rates and terms available to you. Just View, Compare and Apply in seconds without affecting your credit score. It’s that easy!
At What Stage Of The Process Do I Apply For Financing?
After you Design Your Shed, confirm site access, and get an official turnkey shed quote that includes Sales Tax & Wide Load Delivery, you can apply for financing for the Total Project Cost! Design Your Shed In 3D With Instant Estimate! Then submit your design to us to start the process of financing a shed in NC!
What If I Don't Qualify When I Apply For Financing?
No Worries! If credit based shed finance is not a fit for you, we can look at our No Credit Check 90 Days Same As Cash, No Credit Check Rent To Own & credit or debit card options for you to start your project!
Does Enhancify Or Its Lending Partners Pull A Credit Report?
No, Enhancify does not pull your credit and in most instances, our lending partners will only do a soft inquiry. However, if the lending partner does do a hard inquiry, the lender will notify you beforehand, usually somewhere on their website or prior to submitting your application with them. It is very important you read their terms and conditions prior to submitting your application.
What Is The Difference Between A Soft Inquiry And A Hard Inquiry?
Simply put, a soft inquiry is an inquiry that occurs when either you, a credit card company or a lender checks your credit to pre-approve you to offer you credit. Soft inquiries do not appear on your credit report, nor do they impact your credit scores.
A hard inquiry is an inquiry that occurs when you apply to a bank or lender so they can review your credit report as part of their decision-making process. A hard inquiry does show up on your credit report and will impact your credit score. This type of inquiry appears on your credit report for two years (24 months), however, it will only impact your credit score for the first year (12 months).
Do You Have Lenders That Work With Less Than Perfect Credit?
Yes, Enhacify connects you to lenders who work with borrowers with poor to excellent credit. All loan decisions are provided by our lending partners!
Do I Need To Make A Down Payment For A Home Improvement Loan?
No, you do not need to! As long as you get approved for the full amount of your project, you need ZERO DOWN! 100% of the project is funded by the bank! There is no money needed out-of-pocket. If you apply for a $10,000 project and get approved for $10,000 you would get funded for 100% of the project, usually within 3 business days, and then turn around and pay Sheds By Design for your building. project. Your first payment is due approximately 4 weeks from getting funded!
Am I Obligated To Proceed If I Qualify For A Loan?
No, if you apply to a lender and for whatever reason, you decide not to move forward, you are not obligated to accept the loan. We do recommend you notify the lending provider as to why you don’t want to proceed with the application or the acceptance of the loan offer.
Is My Information Secure When Applying For Financing?
We take your privacy seriously and all of your information is safe and secure through a variety of different ways on Enhancify. One way is by using an SSL (Secure Sockets Layer) to establish an encrypted link so everything you provide remains private. You can review the privacy and security policy here.
What Is An Unsecured Loan?
We offer unsecured loans through our lending partners. An unsecured loan also referred to as a personal loan, is a loan that is based solely on the borrower’s creditworthiness, rather than by any type of collateral. An unsecured loan can be used for almost any purpose, including home improvements, debt consolidation, wedding expenses, etc.
Does Enhancify Have Any fees For The Consumer?
No, Enhancify does not charge any fees to the consumer to utilize our services. Each lender you are matched with determines their own policy on what they charge. We are unable to determine the number of closing costs or out-of-pocket expenses you may incur, however, if we are able to match you with a lender, you can discuss your specific situation with them once you are in contact.