Financing
How financing works
We arrange financing through a lender and do not lend the money. Rates and terms depend on approved credit, and the lender sets them.
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Step 1: Ask with your quote
When you get the written quote, ask Isela for the lender's name and terms. Nothing about the quote changes if you pay another way.
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Step 2: Apply with the lender
You apply with the lender, not with us. The lender decides whether to approve you and on what terms.
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Step 3: Read the disclosure
Before you accept, the lender shows the rate, the length of the loan and the total you will pay. Compare it with any other offer you have.
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Step 4: Then book the day
Install day is booked once you accept the quote and, if you finance, the lender has approved the loan.
Financing is subject to credit approval and the lender's terms.
Questions
About paying
Do I have to finance?
No. Financing is optional, and you can pay another way.
Can you tell me my rate before the visit?
No. The lender sets the rate after reviewing your credit and shows it to you in writing.
Does the quote change if I finance?
No. The quote is the same either way. The lender's paper is a separate document with its own terms.
What does the sample on the home page mean?
It shows how a payment is worked out for a loan of a given size, rate and term. Your own offer will differ, and it is the lender's offer that counts.
Questions about paying?
Isela handles financing and scheduling. Call or send a note.