Why Finance With Us
Financing Built for Homeowners, Not Banks
We built a financing experience around the way real families remodel — flexible, transparent, and designed to get you into your dream kitchen sooner.
Buy Now, Pay Over Time
Stop waiting to save up. Get the kitchen or bath you want today and spread the cost across affordable monthly payments that fit your budget.
Soft Credit Check First
Checking your eligibility and viewing offers won't impact your credit score, so you can explore your options with total peace of mind.
Low Monthly Payments
Break a $15,000 project into payments you won't feel. Flexible terms from 12 to 60 months with promotional 0% APR offers for qualified buyers.
Finance The Whole Project
Cabinets, countertops, flooring, hardware, and labor — bundle it all into one simple installment loan so nothing is left out of your dream space.
Real People, Local Team
Our Orlando financing specialists walk you through every step in person or over the phone — no confusing fine print, no hidden surprises.
Secure & Confidential
Your personal information is encrypted and never shared outside the lending process, so you can apply with confidence.
$300–$25K
Finance any project size
Minutes
Fast approval decision
0% to 24.99% APR
Financing offers
12–60 Mo
Flexible repayment terms
Why Finance With Us
Easy Approval in 3 Simple Steps
No mountains of paperwork, no waiting for days. Getting approved for your home improvement project is faster than you think.
*Checking your options won't impact your credit score. No obligation to buy.*
Check Your Options
Apply online or call us — see how much you qualify for in minutes with no impact to your credit score. It's quick, secure, and free.
Get Approved Fast
Receive your approval decision almost instantly, then pick the repayment plan that fits your budget with low-to-no interest options.
Start Your Remodel
Use your approved amount toward cabinets, flooring, countertops, or a full remodel — and pay it off in easy monthly installments.
Got Questions?
Home Improvement Financing FAQ
Everything Orlando homeowners ask us about financing their remodel. Can't find your answer? Give us a call at 407-704-8117.
What is home improvement financing?
Home improvement financing is a flexible installment loan that lets you pay for your kitchen remodel, flooring, countertops, or cabinets over time instead of all at once. You borrow a set amount and repay it in fixed monthly payments over 12 to 60 months. Sunshine Home Material partners with trusted lenders to offer competitive rates and fast approval decisions so you can start your project right away.
Will applying affect my credit score?
Checking your eligibility and viewing available loan options will not impact your credit score. After you choose a specific offer and submit a full application, the lender may request a full credit report, which could have a minor impact on your score.
What can I finance with Sunshine Home Material?
You can finance your entire project, including RTA kitchen cabinets, quartz and granite countertops, SPC and WPC vinyl flooring, floating vanities, sinks, hardware, and even installation labor. Bundling everything into one loan keeps your payments simple and predictable.
How much can I finance?
You can finance purchases ranging from $300 up to $25,000. This covers everything from a single vanity or backsplash to a full kitchen remodel with cabinets, countertops, and flooring. Larger projects may qualify for extended terms with lower monthly payments.
How fast can I get approved?
Most applicants receive an approval decision within minutes. Checking your eligibility and viewing available loan options is instant and won't affect your credit score. Once you pick an offer and complete your application, you can typically move forward with your project the same day.
How do I make my monthly payments?
Once approved, you can set up automatic payments from your bank account through the lender's online portal or mobile app. You'll also receive monthly statements and can make one-time payments online, by phone, or by mail at any time without penalty.
Ready to Start Your Dream Remodel?
No mountains of paperwork, no waiting for days. Getting approved for your home improvement project is faster than you think.
Get Pre-Approved Today
*Checking your options won't impact your credit score. No obligation to buy.*
Proudly Local
Serving Orlando & All of Central Florida
Sunshine Home Material is a local, family-owned home improvement company based right here in Orlando. When you finance with us, you're working with neighbors who know Central Florida homes — not a faceless call center. Stop by our showroom to see materials in person, or get pre-approved over the phone in minutes.
Orange County
Home to our flagship Orlando showroom and warehouse, with same-day cabinet, flooring, and countertop samples in stock.
Orlando, Winter Park, Apopka, Ocoee, Winter Garden, Windermere, Maitland, Belle Isle, Edgewood, Pine Hills
Volusia County
North of the metro, we deliver kitchen cabinets, vanities, and flooring to homes across the I-4 and coastal corridor.
DeLand, Deltona, Orange City, DeBary, DeLeon Springs, Osteen
Osceola County
From Kissimmee to the Disney corridor, we supply cabinets, vanities, and flooring to homeowners and investors alike.
Kissimmee, St. Cloud, Celebration, Poinciana, Buenaventura Lakes, Hunter's Creek
Polk County
Along the I-4 corridor south of Orlando, we serve fast-growing communities with factory-direct pricing.
Davenport, Haines City, Lakeland, Winter Haven, Auburndale, Four Corners
Seminole County
Serving the northeast metro with quick access to our Design Center for free 3D kitchen and bath renderings.
Sanford, Altamonte Springs, Oviedo, Lake Mary, Longwood, Casselberry, Winter Springs, Geneva
Lake County
West Orlando communities and lakefront towns turn to us for full remodels, flooring, and countertop fabrication.
Clermont, Leesburg, Mount Dora, Tavares, Eustis, Minneola, Groveland