Yes. Osta provides 15-month financing through our trusted third-party lending partner for approved projects, enabling you to start necessary work immediately while spreading costs over manageable monthly payments.
Financing Program Details:
Approval Process: Quick online application with credit decision typically within minutes. Most applicants with reasonable credit history qualify. The application process is straightforward, doesn't impact your credit score until you proceed (soft pull during initial review), and provides immediate clarity on approval status and terms.
Loan Terms:
15-month repayment period with fixed monthly payments
Competitive interest rates based on creditworthiness
No prepayment penalties—pay off early without fees if circumstances allow
Simple interest calculation with clear payment schedules
Eligible Projects: Financing available for most residential electrical, plumbing, and HVAC projects meeting minimum cost thresholds (typically $1,000+). Common financed projects include panel upgrades, complete rewiring, HVAC system replacements, water heater installations, and comprehensive electrical or plumbing renovations.
How Financing Works:
Receive Your Quote: Complete diagnostic visit or virtual assessment to obtain fixed-price quote for your project
Discuss Financing Options: Mention financing interest during quote review—we'll explain available options and qualification requirements
Submit Application: Complete brief online application through our lending partner's secure portal
Receive Approval Decision: Most applications receive instant or same-day approval with clear terms
Sign Documents: Electronic document signing finalizes loan agreement
Schedule Project: Proceed with scheduling exactly as if paying directly—financing doesn't delay project start
Project Completion: Work proceeds normally with quality and warranty identical to direct payment projects
Monthly Payments: Automated payments draft monthly according to your agreed schedule
Benefits of Financing:
Immediate Access to Necessary Services: Don't delay critical repairs, safety upgrades, or system replacements due to temporary cash flow constraints. Address problems before they worsen and require more expensive emergency solutions.
Budget Management: Spread large project costs over 15 months rather than absorbing entire expense immediately. Fixed monthly payments enable better household budget planning without surprise large expenditures.
Emergency Response Capability: When unexpected failures require immediate attention—HVAC system failure during extreme weather, water heater failure, electrical safety hazards—financing enables fast response without depleting emergency savings.
Home Value Investment: Invest in property improvements that enhance home value, functionality, and safety without waiting to accumulate full project funds. Panel upgrades, electrical modernization, and HVAC efficiency improvements benefit you immediately while being paid over time.
Alternative Payment Considerations:
Credit Card Payment: All major credit and debit cards accepted. If you have existing credit card rewards programs, travel points, or cashback benefits, direct card payment may offer advantages depending on your specific card terms.
Payment Plans Without Financing: For projects under $5,000 or customers who prefer avoiding formal financing, we occasionally offer direct payment plan arrangements. Contact us to discuss whether payment plan options might work for your situation.
Deposit and Balance Structure: Standard payment requires 10% deposit to secure scheduling, with remaining balance due upon project completion. For larger projects spanning multiple days, we may establish milestone-based payment schedules (e.g., 10% deposit, 45% at midpoint, 45% at completion).
Financial Transparency:
We maintain complete transparency about financing terms, interest rates, total repayment amounts, and alternative payment options. Our goal is enabling you to make informed decisions about payment structures that align with your financial situation—never pressuring toward specific payment methods that benefit us over you.
The lending relationship is between you and our financing partner—Osta receives project payment from the lender, and you make monthly payments to the lending company according to your loan agreement. We're not involved in collections, payment enforcement, or loan servicing, ensuring a clear separation between project execution and payment obligations.
When Financing Makes Sense:
Consider financing when:
Critical repairs or replacements are needed immediately but available cash is limited
Spreading costs over time provides better household budget management
Emergency savings should be preserved for true emergencies rather than necessary home maintenance
Home improvement ROI justifies cost of financing (safety upgrades, efficiency improvements)
Avoid financing for:
Purely elective projects that could be deferred until funds are available
Projects where financing costs exceed the value of immediate completion
Situations where you're already carrying high debt levels and additional obligations create financial stress
Financial Health First:
If your financial situation makes financing challenging or if taking on additional monthly obligations would create hardship, please be candid with us. We'd rather help you identify lower-cost solutions, prioritize critical work over elective upgrades, or phase projects into manageable segments than encourage financing that negatively impacts your household finances.
Our business depends on long-term customer relationships and community reputation. Responsible financing recommendations that align with your genuine interests serve us better than maximizing short-term revenue through inappropriate lending.