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Financing

Pay for the renovation on terms that fit

We work with three New Jersey-licensed lending partners so your build can start before the full budget is liquid. Approval decisions typically land the same day.

01

0% for 12 Months

Projects to $35k

Deferred-interest plan on projects up to $35,000, paid off inside the promotional window.

02

Extended Fixed-Rate

60–144 months

Fixed monthly payments over 60 to 144 months, with no prepayment penalty at any point.

03

Home Equity Referral

Projects $100k+

Introductions to local New Jersey credit unions for HELOC and cash-out options on larger builds.

Financing is provided by third-party lenders and is subject to credit approval. Rates, terms and promotional periods are set by the lender, not by Pinnacle Constructions.

Questions

Renovation financing

Can I finance a home renovation in New Jersey?

Yes. We work with three NJ-licensed lending partners offering promotional 0% plans, extended fixed-rate terms and home equity products. Approval decisions typically come back the same day, and you can start the design phase while financing is arranged.

Does applying affect my credit score?

Pre-qualification uses a soft credit pull and does not affect your score. Only a full application, which you choose to submit after seeing your terms, results in a hard inquiry.

Do you mark up the price if I finance?

No. The line-item price is the same whether you pay cash or finance. We receive no fee contingent on which lender you choose.

Free consultation

Check your financing options

Communication consent

No-obligation walkthrough. One follow-up call.

Completed kitchen renovation in Bergen County

Client reviews

What New Jersey homeowners say

“They took out the wall between our kitchen and den and the number at the end was the number on the proposal. Our project lead texted us a photo every Friday. After two bad renovations before this one, that was the difference.”

Danielle R.

Kitchen & Great Room · Ridgewood, Bergen County

Testimonial 1 of 6: Danielle R.

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Let's create a home that fits how you actually live — and holds up for the next twenty years.