Traditional Financing
Provider:
Regions Home Improvement Financing (formerly EnerBank USA)
Best For:
Homeowners with Good Credit looking for the lowest cost of ownership.
Maximize your purchasing power with fixed rates and long terms. This is a traditional loan that helps you cover your project cost, allowing you to keep more of your cash in the bank.
Available Plans:
Same-As-Cash (12 Months):
Loans by Regions Bank, Member FDIC, on approved credit. 19.99% fixed APR (max 15.99% NJ, 17.99% FL & WI), effective Jan 2026, subject to change. Interest starts when funds disbursed and waived if paid in full within 365 days. After, balance converts to fixed installment loan (24-132 months). First payment due 365 days after disbursement. Payments vary from $21.99 to $30.82 per $1,000 borrowed. Minimum payment $50.
Apply NowLow Monthly Payment (60 Months):
Loans by Regions Bank, Member FDIC, on approved credit. 6.99% fixed APR, subject to change. Interest starts when funds disbursed. Payments begin 90 days after origination, then monthly during open line period. After, balance converts to a 60-month fixed installment loan. Payments: 60 monthly payments of $19.97 per $1,000 borrowed. Minimum payment $50.
Apply NowLow Monthly Payment (12-Yr Loan):
Loans by Regions Bank, Member FDIC, on approved credit. 9.99% fixed APR, subject to change. Interest starts when funds disbursed. Payments begin 90 days after origination, then monthly during open line period. After, balance converts to a 144-month fixed installment loan. Payments: 144 monthly payments of $12.20 per $1,000 borrowed. Minimum payment $50.
Apply NowThe Perks:
Low Interest Rates:
Qualified borrowers can finance the project at a low interest rate.
No Prepayment Penalties:
Pay it off early whenever you want.
Rent-to-Own (RTO)
Provider:
Russellville Rentals LLC
Best For:
Projects under $18,000, instant approval, or credit-challenged applicants.
Not ready for a loan? Rent-to-Own is a flexible rental agreement where you rent the deck with the option to purchase it. This program is capped at a maximum cash price of $18,000.
Why Choose RTO?
No Credit Check:
Approval is based on your ID, not your credit score.
No Income Verification:
We do not require proof of income for approval.
Flexible Terms:
Choose a plan that fits your budget: 24, 36, or 48 months.
Early Purchase Discount:
Pay off the balance early to save significantly on rental fees.
Zero Risk (Return Anytime):
If you move or no longer want the deck, you can return it. We pick it up, and your payments stop.
What You Need for Instant Approval:
To finalize your Rent-to-Own agreement, you simply need:
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1.
Valid Photo ID:
A copy of your driver's license or state ID.
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2.
Initial Payment:
An initial payment equivalent to 2 months (1st Month's Rent + Security Deposit) due at signing.
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3.
Signed Delivery Receipt:
Signed upon the successful installation of your deck.
Facilitated by Russellville Rentals LLC.
How It Works
From Quote to Approval
Design Your Deck
Use our Deck Builder to get your final price.
Note:
If choosing Rent-to-Own, ensure your total is under $18,000.
Secure Your Payment Method
Use our Deck Builder to get your final price.
Note:
We require a 20% deposit to lock in your production slot and order materials.
Finalize the Order
Once approved, email your account number or approval code to our team. We will confirm your details and schedule your installation!
FAQs
Yes. The Rent-to-Own program is a rental agreement, not a loan. If your situation changes, you can request a pickup. We will remove the structure, and your payment obligation ends.
No. Russellville Rentals does not perform a hard credit inquiry. Approval is based on your identification and residence.
RTO is a rental agreement, so there is no "interest rate." Instead, there are rental fees included in the monthly payment. However, you can pay off the full balance early (Early Purchase Option) to save money on these fees.
No. We do not require income verification for the Rent-to-Own program.