Window Financing: Bad Credit Options

Short Answer: Companies that replace windows and offer financing include Ameriside, Champion Windows, Renewal by Andersen, Window Nation, Window Universe, and Window World. And, many of these companies will work with you even if you have bad credit. Would you rather DIY? You can apply for financing from The Home Depot or Lowe’s. For more on window replacement financing, see below.

Financing New Windows

Many window companies offer in-house financing. All of the window companies we contacted said financing depends on credit approval but would not provide a minimum required credit score. Specifically, Ameriside said bad credit isn’t a problem, while the other companies listed below said they would help you get the best financing possible. For specific information, you’ll need to contact the company directly and set up a free, in-home consultation.

Ameriside

Ameriside has locations throughout Southern California. About 90% of its clients are approved for financing, according to Ameriside’s website.

Champion Windows

Champion Windows has locations throughout the United States. It regularly offers discounts, so make sure to check Champion Windows’ website for special offers.

  • Financing options: Vary by location
  • Interest and fees: Vary by loan
  • Bad credit OK? Champion Windows will work with you to obtain financing, but it doesn’t specifically state that bad credit is OK.
  • Minimum down payment: Varies by loan
  • Minimum monthly payments: Varies by loan
  • Request a free in-home estimate from Champion Windows

Renewal by Andersen

Renewal by Andersen has locations throughout the United States. It regularly offers discounts, so make sure to check Renewal by Andersen’s website for special offers.

  • Financing options: You must meet with a Design Consultant to learn about all of your options; lines of credit are available.
  • Interest and fees: Varies by loan; depends on your credit history.
  • Bad credit OK? Yes, but you may be subject to higher interest rates
  • Minimum down payment: Varies by loan; no money down is an option
  • Minimum monthly payments: Varies by loan; deferred payment plans are available
  • Request an in-home estimate from Renewal by Andersen

Window Nation

Window Nation has locations in Delaware, Indiana, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, and Virginia. Window Nation offers financing through Synchrony Bank. You can apply online and find out if you’re approved for financing before setting up an in-home estimate with Window Nation.

  • Financing options: Window Nation Credit Card
  • Interest and fees: See terms online
  • Bad credit OK? Not stated; all applicants are subject to credit approval
  • Minimum down payment: None
  • Minimum monthly payments: Depends on your credit balance
  • Request an in-home estimate from Window Nation

Window Universe

Window Universe is located in Virginia and offers financing through Wells Fargo. You can apply online and find out if you’re approved for financing before setting up an in-home estimate with Window Universe.

  • Financing options: Wells Fargo Home Projects Credit Card
  • Interest and fees: No interest if paid in full within the promotional period (typically between six and 18 months)
  • Bad credit OK? Not stated; all applicants are subject to credit approval
  • Minimum down payment: None
  • Minimum monthly payments: Depends on your credit balance
  • Request an in-home estimate from Window Universe

Window World

Window World has locations throughout the United States and offers financing through Wells Fargo. You can apply online and find out if you’re approved for financing before setting up an in-home estimate with Window World.

  • Financing options: Window World Credit Card
  • Interest and fees: No interest if paid in full within the promotional period (typically between six and 18 months)
  • Bad credit OK?: Not stated; all applicants are subject to credit approval
  • Minimum down payment: None
  • Minimum monthly payments: Depends on your credit balance
  • Request an in-home estimate from Window World

DIY Window Replacement Financing

Both The Home Depot and Lowe’s offer project loans that can help you purchase new windows and equipment and pay for the home improvement project in monthly payments.

The Home Depot

  • Financing options: Project loans available up to $55,000
  • Interest and fees: See terms online
  • Bad credit OK? Not stated; all applicants are subject to credit approval
  • Minimum down payment: None
  • Minimum monthly payments: Depends on the loan amount; you will have 84 months to pay off this loan
  • Apply for a project loan from The Home Depot

Lowe’s

  • Financing options: Lowe’s Advantage Card
  • Interest and fees: See terms online; promotional APRs may be requested at the time of purchase
  • Bad credit OK? Not stated; all applicants are subject to credit approval
  • Minimum down payment: None
  • Minimum monthly payments: Depends on your credit balance; fixed monthly payments may be requested at the time of purchase
  • Apply for a Lowe’s Advantage Card

More Information

To learn more about the best window companies, see our articles comparing Champion vs. Window World and Anlin vs. Milgard Windows.

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