Financing · Central PA · Up to $75,000
Build Now, Pay Monthly
Your deck does not have to wait for the whole budget to be sitting in the bank. Through Lend Home Improvements, TrueCraft customers can finance projects up to $75,000 with a simple digital application, instant decisions, and no early payoff penalty.
Requesting information is not a credit application and will not affect your credit score.
What the program offers
$75,000
Maximum project amount
Enough to cover a full multi-level build with railings, lighting, and an outdoor kitchen — not just a small repair.
No score impact
Soft credit pull to view offers
Seeing what you qualify for uses a soft pull. Your credit score is not affected by checking.
Instant
Application decisions
The application is completely digital and most homeowners get a decision within minutes of applying.
$0
Early payoff penalty
Pay the loan down early, or in full, whenever you want. There is no prepayment penalty on any loan.
How it works
Four steps from first conversation to a deck on the build schedule.
Get your free estimate first
Financing works best once you know the real number. We visit your property, take measurements, and give you a detailed written estimate itemized by material, labor, and permits — so you apply for what the project actually costs rather than a guess.
Tell us you want to finance
Send the short request form below with your project and the amount you have in mind. We follow up to confirm the details and pass you straight to the Lend Home Improvements application — entirely digital, with no paperwork to print and no branch visit.
Review your offers
Qualified borrowers receive multiple loan offers to choose from. Viewing them uses a soft credit pull, so you can compare monthly payments and terms without any impact on your credit score.
Pick a payment and we build
Choose the offer that fits your budget, and we get your project on the schedule. You make convenient monthly payments, with no penalty if you decide to pay it off early.
What you can finance
Any TrueCraft project qualifies — a new build, an addition to an existing deck, or a full tear-out and replacement.
Not sure what your project will cost? Read the deck cost guide or book a free on-site estimate.
Request financing information
Tell us about the project and roughly what you would like to finance. We will call you back to confirm the details and walk you through the Lend Home Improvements application.
- No credit check and no impact on your credit score to ask.
- A real person calls you back, usually within one business day.
- Free on-site estimate first, so you finance the real number.
Prefer to talk it through? Call 717-256-1419.
Submitting this form is not a credit application and does not affect your credit score. We will contact you to confirm your project and walk you through the Lend Home Improvements application.
Financing Questions
Does checking my financing options hurt my credit score?
No. Loan offers are generated using a soft credit pull, which does not affect your credit score. You can see what you qualify for and compare monthly payments before committing to anything.
How much can I finance for a deck project?
Projects up to $75,000 can be financed through the Lend Home Improvements program. That covers everything from a straightforward single-level composite deck to a multi-level build with a pergola, lighting, and an outdoor kitchen.
How long does the application take?
Start with the request form on this page — it takes about a minute. We will get in touch to confirm your project and send you into the Lend Home Improvements application, which is completely digital and typically takes a few minutes. Most applicants receive an instant decision, and qualified borrowers are presented with multiple loan offers to choose from.
Is there a penalty for paying my loan off early?
No. There are no early payment penalties on any loan in the program. If you want to pay the balance down faster or clear it entirely, you can do that at any time.
Do I need an estimate before I apply?
It is not required, but we strongly recommend it. A free on-site estimate gives you an accurate, itemized project cost, so you borrow the right amount instead of over- or under-estimating. Estimates are free and carry no obligation.
Who actually provides the financing?
TrueCraft Decking does not lend money or make credit decisions. Financing is offered through Lend Home Improvements, a loan program from Momnt Technologies, Inc. Momnt arranges consumer loans used to purchase goods and services from participating merchants, and all loans are originated by participating financial institutions.
Can I use financing for a deck repair rather than a new build?
Yes. Repairs, board replacement, resurfacing over existing framing, and full deck replacements are all eligible project types, the same as new construction.
Ready to get started?
Start with a free estimate so you know the real number, then apply in a few minutes and see what you qualify for.
Lend Home Improvements is a loan program offered through Momnt Technologies, Inc. Momnt Technologies, Inc. arranges consumer loans used to purchase goods and services from its participating merchant businesses. All loans are originated by participating financial institutions. TrueCraft Decking does not originate loans, set rates, or make credit decisions. Financing is subject to credit approval; terms and offers vary by applicant and are determined by the originating financial institution.
