Question 1

Do I need good credit to qualify?

Accepted Answer

No, your credit score doesn't matter. We don't check it. Qualified applicants may include those with less-than-perfect credit or no credit history.

Question 2

What are the requirements to qualify?

Accepted Answer

You must own your home and be current on your mortgage payments. That's the main requirement. Qualification is subject to our evaluation.

Question 3

How long does the application take?

Accepted Answer

The application is very quick - it takes less than 60 seconds to complete.

Question 4

Why is there an application fee?

Accepted Answer

The deposit helps us prioritize serious applicants. If you don't qualify, it's fully refundable. If you qualify, it's applied toward your pergola balance.

Question 5

Do you charge interest on the financing?

Accepted Answer

No. We offer 0% interest financing. Qualified applicants may receive terms up to 24 months. Longer terms may be promoted; actual terms vary and are not guaranteed.

Question 6

Can I apply if I have bad credit?

Accepted Answer

Absolutely. We work with homeowners who have bad credit or no credit history at all.

Question 7

How much of the pergola cost can I finance?

Accepted Answer

You can finance up to 100% of your pergola. Only a 25% down payment is needed to get started.

Question 8

What types of pergolas do you offer?

Accepted Answer

We offer high-quality aluminum pergolas, customizable to fit your space and style.

Question 9

How soon can I get my pergola installed?

Accepted Answer

Once you're qualified and your application is accepted, we can coordinate your pergola installation.

Question 10

Can I talk to someone if I have questions?

Accepted Answer

Contact us at info@pergoloan.com or call +1 (551) 419-2520.

Frequently Asked Questions