Window Companies With 0% Financing Options (2024 Guide)
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Our recent survey of 1,000 homeowners showed most people would purchase new windows sooner if they knew about companies with 0% interest or 0% down financing options. While this can be difficult to find in the window industry, two national companies caught our eye. We found Champion and Window Nation offer attractive window financing options while being well-rated by customers.
Learn more about each of these window companies with 0% financing in our guide.
Compare Window Replacement Companies
See which top window replacement companies we recommend regardless of financing options.
| Star Rating | Best For | Link | ||
|---|---|---|---|---|
| Renewal by Andersen |  | Best Installation | GET ESTIMATE | |
| Champion |  | Best Financing | GET ESTIMATE | |
| Window Nation |  | Best Wood Windows | GET ESTIMATE | |
| Power Home Remodeling |  | Best All-in-One Provider | GET ESTIMATE | |
| Castle Windows |  | Best Warranty | GET ESTIMATE | |
| Milgard |  | Best Fiberglass Windows | GET ESTIMATE | |
| Marvin |  | Most Diverse Selection | GET ESTIMATE | |
| Harvey |  | Best Vinyl Windows | GET ESTIMATE |
| Renewal by Andersen | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best Installation |
| Champion | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best Financing |
| Window Nation | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best Wood Windows |
| Power Home Remodeling | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best All-in-One Provider |
| Castle Windows | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best Warranty |
| Milgard | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best Fiberglass Windows |
| Marvin | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Most Diverse Selection |
| Harvey | |
|---|---|
| Logo |
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| Star Rating | |
| Best For | Best Vinyl Windows |
How Can I Save on Window Replacement?
If budget is your priority, know there are many ways to save money on window replacement. Some common ways to keep window costs low include the following:
- Buying windows in bulk
- Choosing a cheaper style, such as a single- or double-hung design
- Going with a more budget-friendly frame material, such as aluminum or vinyl
- Installing out-of-season when contractors aren’t busy
- Keeping your window’s grid layout simple
- Opting for a standard color and size
- Repairing a minimally damaged window instead of replacing it
The Best Window Companies With 0% Down Financing
These companies rate highest against our methodology while offering appealing financing terms.
Champion
Best Financing
Window Nation
Best Wood Windows
What Are My Other Options for Financing Window Replacement?
Smaller, local companies are more likely to offer 0% financing to drive business and allow homeowners to purchase new windows when money is tight. Check your area for any companies with flexible financing options.
If you’re having trouble finding a no-down-payment or 0% interest financing program that works for you, here are some of the most common ways people fund their window project:
- Cash-out refinancing: This is an option if you’ve built up equity in your home. Refinancing means you’ll have a bigger mortgage than what you owe on your house, but you’ll get the difference in cash to use for your window installation.
- Credit cards: Some people split costs across two or three credit cards. Only go this route if you’re confident you can make the monthly payments without incurring high interest fees or damaging your credit score.
- Home equity line of credit (HELOC): HELOCs allow you to borrow against your home’s equity and typically come with low interest rates.
- Home equity loan: This loan also borrows against your home’s equity, but it’s a lump sum of cash rather than a line of credit.
- Personal loan: Talk to your bank or several banks about options for a personal loan with low interest.
Benefits of Financing Your Window Project
Ideally, everybody could skip the hassle and pay cash upfront. However, many window buyers have to finance their replacement in some capacity since most windows cost anywhere from a few hundred to a few thousand dollars. There are some benefits to financing, such as the following:
- Monthly payments: Your financing program will likely arrange for you to make monthly payments rather than supply any large sums of cash. This makes funding your windows more manageable and prevents you from dipping into your savings to cover costs.
- Quicker comfort and energy efficiency: Financing your windows instead of waiting until you’ve saved up the money means you’ll more quickly be able to improve your home’s comfort, energy efficiency, and value.
- Tax benefits: The sooner you buy your windows, the sooner you can access valuable tax benefits. The Inflation Reduction Act of 2022 gives you a federal income tax credit for upgrading to energy-efficient windows, which can save you up to $3,200 on your taxes.
What Should I Look For in a Good Replacement Window?
You can save money on windows without sacrificing window quality. Look for the following when shopping around:
- Durability and longevity: Invest in windows that last. A good window will last around 30 years. Look for high-quality materials and construction. Fiberglass and composite windows are known for their durability, but cost-effective vinyl windows can also go the distance.
- Energy efficiency: We argue that energy efficiency is the biggest factor to avoid skimping on. Energy-efficient windows make your home more comfortable and can significantly lower your energy bills. Look for the Energy Star certification label.
- Warranty coverage: Don’t buy windows without a manufacturer’s warranty. Get a labor warranty for installation. Many window companies offer limited or lifetime warranties on their products. Carefully review coverage details before committing.
- Weather resistance: If you live in an area with extreme weather conditions or frequent storms, look at the Energy Star label to see which climates a window is best suited for.
We’ve rated some of the industry’s most popular window companies based on these and other factors. Not getting a check doesn’t mean the brand’s windows lack that quality but that it’s not its strength.
| Brand | Affordability | Energy Efficiency | Durability | Warranty Coverage | Aesthetics |
|---|---|---|---|---|---|
| Castle | ✔ | ✔ | ✔ | ✔ | ✘ |
| Milgard | ✔ | ✔ | ✔ | ✔ | ✘ |
| Champion | ✔ | ✔ | ✔ | ✘ | ✘ |
| Marvin | ✔ | ✔ | ✔ | ✘ | ✔ |
| Harvey | ✔ | ✔ | ✔ | ✘ | ✘ |
| Pella | ✘ | ✔ | ✔ | ✘ | ✘ |
| Renewal by Andersen | ✘ | ✔ | ✔ | ✔ | ✔ |
Our Conclusion
It’s challenging to find national window companies with 0% financing options. Champion and Window Nation are good places to start if they’re available in your area. However, you may want to try your luck at the local level. Local window companies may also be more willing to help you get a deal and financing terms you can work with.
Don’t choose a company based on payment options alone. Research brands’ product performance, customer service, warranty coverage, and reputation before committing. Always look at customer reviews and get a free quote to compare pricing. Shop around until you find what works best for you.
FAQ About Window Financing
Can I finance new windows with bad credit?
You’re subject to credit approval when financing windows. Some companies may be more lenient than others if you have bad credit, but you’ll likely need a credit score of at least 600 to qualify for financing programs.
Do you want to pay for new windows with a credit card?
Paying for new windows with a credit card allows you to purchase windows without a lump sum of savings built up, but you have to be careful not to exceed your credit limit and to make monthly payments on time to avoid damaging your credit score. This isn’t a good option if you’re not confident you can manage it.
Can you pay for new windows monthly?
Yes, you can pay for new windows monthly if you get a loan. Most window companies offer monthly payment plans.
Is it a good idea to finance windows?
It can be advantageous to finance your windows if you can manage the financing terms responsibly. Financing allows you to improve your home’s comfort, energy efficiency, and property value quicker than waiting until you can pay in full upfront.
Our Rating Methodology
The This Old House Reviews Team backs up our window ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, browsing product selections, analyzing window line specifications, and conducting focus groups and consumer surveys. We then score each provider against our review standards for window variety, value, trustworthiness and transparency, window features, and customer service to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
