BUY THE WHOLE PROJECT. PAY IT LIKE A BILL.
90 days same-as-cash on doors and hardware. 12 months 0% APR on full kitchens. Extended 24–60 month plans for the big remodels. Apply from your phone, get a decision in under a minute.
Pick a payment shape that fits the job.
90 days same-as-cash
Pay it off inside 90 days. No interest, no fees, no math.
Great for fast remodels and small projects under $2,500.
12 months, 0% APR
Spread the cost of a full kitchen or window package across a year, interest free.
On purchases of $1,500 or more, with approved credit.
24–60 months extended
Lock in a fixed monthly payment on jobs $5,000 and up.
Available through GreenSky for qualifying contractors and homeowners.
From your phone to the load bay in one afternoon.
Soft credit check, no impact to your score until you accept an offer. Takes about 90 seconds from your phone.
Most applicants hear back inside 60 seconds. Show approval at the counter. No paperwork to print.
Approved? Your credit line works for every Price-Less purchase, in-store or for jobsite delivery. Use it once or use it for the whole project.
Common questions, real answers.
Will applying hurt my credit score?+
No. Both Synchrony and GreenSky run a soft inquiry up front (the kind that doesn't show on your credit report). Only if you accept an offer and the line is opened does a hard pull happen.
How fast does approval come back?+
Almost always under a minute. If something needs a manual review, you'll typically hear back the same business day.
What's the minimum purchase?+
$299 for the 90-day same-as-cash plan, $1,500 for the 12-month 0% APR plan, and $5,000 for the extended 24–60 month plans.
Can I use financing for delivery and labor?+
Yes. Anything that lands on your Price-Less invoice qualifies. That includes jobsite delivery, will-call holds, and Builders Corner install fees if you're bundling cabinetry.
Do contractors get a different program?+
Yes. Licensed contractors signed up through our contractor program get net-30 account billing and a separate revolving line that doesn't touch personal credit. Ask at the counter or sign up on the contractors page.
What if I'm self-employed or new to credit?+
Synchrony looks at more than just FICO. Income and tradelines matter. Most central-Wisconsin self-employed contractors get approved. If you don't, we'll help you set up a layaway hold instead.
Can I pay it off early?+
Always. There's never an early-payoff penalty on any of our financing options.
What types of projects qualify?+
Anything you can buy at Price-Less or Builders Corner: doors, windows, full kitchens, vanities, hardware, countertops, lighting, trim. We've financed everything from a single front door to a $42,000 whole-home remodel package.
Ready to apply?
Most decisions in under 60 seconds. No impact to your credit to check.