First, how much do you expect to spend?
How Do You Get A Loan Offer?
Getting a loan offer that you can use for granite countertop financing could not be easier. Here is how the simple process works.
Estimate Your Monetary Needs
First, figure out how much you need to have your countertops installed. This is easily calculated since most granite countertops cost between 40 and 60 dollars a square foot. In addition to the countertops themselves, keep in mind that you will likely need a new sink, faucet and possible cabinet updates.
Complete One Short Form
With a number in mind, enter it into the form above along with some basic personal information. You will also need to enter the account number for where you want your money sent. This will be a cash loan deposited directly into your bank account. This will allow you to shop any home improvement contractor that you like.
Get Your Decision
Once your form is complete, submit it and get your decision. if approved, one lender from the group will make you an offer and you will be sent to their website to review the details. You can then decide whether to accept or turn down the loan.
Why Choose Online Financing?
Getting a financing offer is incredibly easy, but why should you choose online lending to a local lender or even contractor financing? There are a number of reasons, but here are some of the biggest ones.
Easy Quoting Process
It can take hours, if not days to get a loan offer with a brick and mortar lender. With online lending, you can get a loan decision in a matter of minutes. A great benefit if you are eager to have your new counters installed.
Fast Loan Disbursal
Once approved for your loan, you can have money in your bank account as soon as the next business day. The money will be paid directly to you and this will make you a cash buyer.
Power Of Cash
With cash in hand, you have a number of benefits. One is that you can shop any contractor that you like, not just the ones that offer financing. This will allow you to get the exact type of granite that you like and gives you the ability to price shop.
Lenders May Work With Bad Credit
Last, but not least is the fact that many lenders in our lending group will work with bad credit. If you have been turned down before, an online lender may be able to say yes.
Choosing Your Granite Countertop Contractor
If you were approved and accepted a loan, it is time to shop for a granite contractor. As you probably already know, not all contractors are created equally, so you need to be careful. Here are some things to check.
Online Reviews
Online reviews on reliable websites are a great way to get a feel for a contractor. You should be able to find reviews for your contractor easily. If not, this is a red flag because it means they may be changing names or brand new. As far as the reviews go, look for positive ones but they all do not have to be five stars. If you see a few negative reviews, take them with a grain of salt and see how the contractor responded.
BBB Status
Your contractor does not have to be a BBB member, but they should not have an F rating. The BBB is not a government agency, they are a for profit company so not every contractor signs up with them. That being said, the BBB usually tracks even non member companies.
Time In Business
Every company needs to get started some time, but you do not have to be their entry level education. Try to choose a granite company that has been in business for at least a few years.
