Your options
| Option | Good for | Watch out for |
|---|---|---|
| Installer / manufacturer financing | Convenience; sometimes 0% promotions | Deferred interest, if not paid in full by the deadline, interest may be charged back to day one; higher prices to cover financing |
| Home equity loan or HELOC | Large projects, lowest rates for many homeowners | Your home is collateral; closing costs and time |
| Personal loan | Fast, unsecured, fixed payments | Higher rates for fair credit |
| 0% intro APR credit card | Small projects you can pay off quickly | High rate after the intro period |
| Utility or local energy programs | Energy-efficient upgrades | Limited availability; requirements vary |
Tips
- Get the cash price first, then ask about financing. Some “low monthly payment” deals hide a higher project price.
- Read the promotional terms for deferred interest.
- Compare the total cost: price + interest + fees.
Tax credits in 2026
The federal Energy Efficient Home Improvement Credit (25C), which covered up to $600 a year for qualifying windows, ended for property placed in service after December 31, 2025. Check your utility and state for local rebates instead.