Win more home improvement projects. Offer financing options that work for everyone. 

Turns is a great option for both first and second look financing. Submit any previously declined applicant to get them approved for a NO FEE prime loan, or the best possible financing our platform lenders can provide.

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How to handle objections like "I can't afford that"?

Allow customers to spread home improvement costs out monthly while you get paid immediately.

Try presenting $10,000 as $125 per month!!! You'll close up to 50% more projects, negotiate and reduce scope less. Never chase payments again.



How It Works

Submit a credit application.

Your customer applies for financing from any online device.

Get instant decisions from multiple lenders.

Select a loan and follow the onscreen instructions to completion.

Finish the project and get paid.

When the job is done, payment is deposited directly into your bank account, less any applicable dealer fee.

Why Choose Turns

See why thousands of U.S. contractors have chosen Turns Financing since 2011. 

No or Low Dealer Fees

No fees for fixed rate prime financing.

3% - 9.9% fee range for same-as-cash or non-prime financing.

High Approval Rates

With both prime and second-look financing, Turns approves a majority of applicants for funding

Instant Decisions

Our lending partners instantly approve so you don't have to wait to proceed.


Programs for Most Credit Scores

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(1) Credit score ranges above are approximate as additional factors are used for qualification.


(2) No prepayment penalties on any loan programs. No Verification Documentation. 


(3) Programs and rates are subject to change at any time at Turns discretion. 


(4) Contact Turns for annual subscription pricing for unlimited prime & near prime financing.

Helping contractors finance their customer's projects
since 2011 with over $3 Billion in applications.

"We started to see a lot of declines in the areas we serve. We made the change to run all financed customers through TURNS for a quick and easy approval for 75% of our customers. Love that we get a second prime loan chance for our customers with no dealer fee.

Josh, Owner

Solar Bear

Miami, FL

"Adding the Turns Smart Link to our website for customers to easily apply for financing has been great for business. We receive financing results immediately."

Valerie, Manager

Action Air

Midland, TX

"We have a large bilingual sales team and Turns seems to know all of them personally. We are long time users of their program, and always feel supported."

Rocio, Account Manager

Elmer One Hour

San Antonio, TX