A new option from Sideco and James Hardie makes it easier to say yes to the siding project you've been putting off.
A renovation project is a real investment, and most homeowners don't have five figures sitting in a checking account waiting for it. That's normal. It's also exactly why financing exists.
We're not fans of the "0% financing" ads many contractors run. Read the fine print, and the cost of that "free" financing is usually built into the price of the project itself. You end up paying for it either way, just less honestly.
So here's our standard for any financing option we tell you about: it has to be a good deal, even if you didn't need financing at all. Our options meet that bar.
New: James Hardie Financing Through Upgrade
Sideco can now offer financing backed by James Hardie's national lending partner, Upgrade. It's a straightforward personal loan, not a rebate gimmick or a rate that quietly changes in year two.
Here's what that looks like for a Sideco customer:
Unsecured. No lien on your home and no home equity required.
Loans up to $100,000, at a fixed rate as low as 9.99% APR.
Approval starting at a 640 credit score.
If you and your spouse both have income, you can each apply. That can put a combined $200,000 toward a larger project.
Checking your rate uses a soft credit check, so it doesn't affect your credit score. A decision typically comes back in minutes, not days.
No prepayment penalty and no cancellation fee if your plans change.
James Hardie Siding has to be part of your project for this financing to apply. If Marvin Windows or TimberTech Decking are part of the same job, all of it can be financed together, but siding is what qualifies the project for this program.
Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds state lending licenses.
Other Ways to Finance Your Project
The Upgrade program isn't the only route, and it isn't the right fit for everyone. Depending on your situation, or if your project doesn't include siding, one of these may work better.
Traditional Bank Financing
If you'd rather work with a bank you already know, Sideco has a long relationship with Arvest Bank here in Central Arkansas. Georgette Strickland has closed loans for Sideco customers for years and understands how our projects are scoped, which tends to make the process faster. You can reach her directly at 501-379-7626 or gstrickland@arvest.com.
Home Equity or Investment-Backed Loans
If you have significant equity in your home or an investment portfolio, a loan backed by those assets can sometimes carry a lower rate than an unsecured personal loan. Terms vary by lender and by what you're borrowing against, so it's worth a conversation with your bank or financial advisor alongside our team.
Why Homeowners Trust Sideco With a Project This Size
Sideco has been installing siding, windows, and decking in Central Arkansas since 1985. We staff our own installation crews instead of subcontracting to whoever's available that week, which means the people financing your project are also the people standing behind it.
We're an authorized James Hardie installer, which is how we're able to offer this financing in the first place. It also gives us access to Hardie's full product line and the training to install it the way the manufacturer intends.
More than half of our new customers come to us because a neighbor or friend already used Sideco. We'd rather earn the next project through the last one than through a financing gimmick.
Talk to Sideco About Financing Your Project
Apply online in minutes, or call and we'll walk you through your options.
