Financing Options For Home Repairs In Richmond With Kefficient

At Kefficient, we understand that home repairs can be sudden and costly. We know there’s no easy way to budget for a flooded basement or leaning foundation walls, and when you need the repairs, you need them now.

That is why our goal is to make your home safe without breaking the bank. We offer our customers flexible financing options for foundation repair, crawl space encapsulation, basement waterproofing, and other extensive services.

Fixing your home’s issue sooner will save you time, money, and stress down the line. With Kefficient’s financing options, you can get a vital repair done now, instead of waiting for it to get worse.

Upgrade your home with financing that fits your budget

Kefficient has partnered with Upgrade to turn your home repair project into manageable monthly payments

Affordable monthly payments
Simple application process
Competitive and promotional rates available
No appraisals or equity requirements
No prepayment penalties
Desktop and mobile application available

Apply Now

10.99% for 5 Years

For example, if a borrower receives a $10,000 loan with a 5-year term and a 10.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $217.42.

10.99% for 7 Years

For example, if a borrower receives a $10,000 loan with a 7-year term and a 10.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $171.22.

10.99% for 10 Years

For example, if a borrower receives a $10,000 loan with a 10-year term and a 10.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $137.74.

10.99% for 12 Years

For example, if a borrower receives a $10,000 loan with a 12-year term and a 10.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $125.35.

10.99% for 15 Years

For example, if a borrower receives a $10,000 loan with a 15-year term and a 10.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $113.65.

0% Interest for 24 Months

Home Improvement Loans made through Upgrade feature Annual Percentage Rates (APRs) of 0%-29.99%. Lowest rates require Autopay. If you are eligible for credit union... Read more membership, you may be required to join a credit union to receive a lower APR.Loans feature repayment terms of 60 to 180 months. Loans may be disbursed in one or more advances. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.

0% Interest for 12 Months

For example, under this promotional plan (i.e., no payments required during the 12 months promotional period beginning after we disburse the first advance, and interest accrues during the promotional period but is waived if the loan is paid in full ... Read more before the end of the promotional period), if a borrower receives a $10,000 loan with a 10-year term and a 29.49% Annual Percentage Rate (APR), the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), and the loan is not paid in full before the end of the promotional period, the borrower will have a required monthly payment of $279.66 after the promotional period ends. All interest accrued during the promotional period will be included in your monthly payment on a pro-rata basis for the remainder of the loan term if the loan is not paid in full by the end of the promotional period. If the loan is paid in full before the end of the promotional period, all interest accrued during the promotional period will be waived. Read less