Home Improvement Consumer Financing





In-home financing made easy for contractors and consumers.
Integrated Prime & 2nd Look

Download Turns App

We Say "YES"

24/7 Instant Credit Decisions

Add Financing to Any Website

No Pay Stubs or Stipulations Required

No Financing Minimums or Obligations

No Prepayment Penalties

2-Minute Financing Process

100% Instant Credit Decisions

100% Paperless Process

Automatic 2nd Look (no application re-entry)

ACH Funding within 48 Hours

Up to 80% National Approval Rate:
One Stop Integrated Prime & Subprime


Up to 40% National Approval Rate:
2nd Look Subprime Only

(for all of your declines)

Why Choose TURNS?

Sell More by Offering  Affordable Monthly Payments
Scan Driver's License
Select Program 
Select Payment
Each monthly payment is tied into a specific fixed contractor funding.
NEW Customized Contractor SmartLink 
Use SmartLinks to submit credit applications from anywhere
Use SmartLinks to email or text your credit application
Use SmartLinks to add a financing button to any website

Have a minute?

See how SmartLinks work

Contractors can also use a customized URL, referred to as a SmartLink to access the credit application and offer financing from anywhere.
Integrated Partner Program
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Become a partner

As a Turns Financing Partner, you profit when your contractors offer superior consumer financing. To take part in our Integrated Partner Program call 866-748-4590 to get started.

Unlock the financing program you need for your contractors

Whether you’re an OEM, Distributor, SaaS Provider, Buying Group, or Franchisor, you can trust us to help provide the right consumer financing program for your contractors. Turnkey program startup in (5) days and custom API integration, including apps, usually within (30) days.

  • Branded Financing Program

  • Multiple Integration Channels

  • Partner Commissions

  • Select Your Loan Programs

  • Comprehensive Reporting

*Minimum 200 enrolled contractors for a commissioned program.
For Contractors

Contact Us


TURNS Financing has proudly served the home improvement industry since 2011. Turns is managed by home improvement and banking professionals with more than 125 years combined experience. The company utilizes technology to simplify in-home financing for contractors and seeks to provide loan programs to the widest credit range of homeowners seeking to finance a home improvement project.


Email: newcontractor@turnsfinancing.com


Phone: 866-748-4590


Office Location:

3423 Piedmont Road NE Suite 595

Atlanta, GA 30305