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Your quote, split in four. Here's exactly how.

What to expect when your contractor offers SuprFi: what you'll need, how the application process works, and what you'll pay, which is nothing beyond the quote.

An approved SuprFi plan on a customer's phone: Pay in 4, four payments of $187.50 at 0% APR, first payment when the work is confirmed done, total $750 with $0 interest and fees

Illustrative example

0%
Interest
4
Equal payments
$0
Hidden fees
2 min
Typical time to apply

The plan, in plain terms

Four equal payments. The first after the job is done, then three more at 30, 60, and 90 days.

Payment 1
A quarter of your quote
After you confirm the work is done
Payments 2, 3, and 4
Same amount
At 30, 60, and 90 days
Total extra cost
$0
No interest, no fees, pay early anytime
Example: paid off in 90 days

A $1,200 water heater is $300 after you confirm the work is done, then $300 at 30, 60, and 90 days. Total: $1,200.

Why there's no cost to you: contractors pay us a small per-transaction fee. You never pay more than your quote.

See full rates and terms

Your contractor doesn't get paid until you say the work is done.

Nothing is due until you confirm the work is done, and we don't pay your contractor until then either. If something's wrong with the job, don't confirm. Contact us and we'll help you sort it out.

If we don't hear from you within three business days of your contractor marking the job complete, we'll treat it as confirmed and move forward. So if something isn't right, tell us before then.

What to expect, step by step

1

Get a link from your contractor

  • Arrives by text or email, or scan a code on the spot. Nothing to download
  • Secure and encrypted, valid for 48 hours
  • No obligation to apply
2

Apply from your own device

  • Name, address, and income basics
  • A soft credit check that does not affect your score
3

Confirm your identity and connect your bank

  • Most people don't upload anything. If we can't verify your identity from what you've given us, we may ask for additional documentation
  • Connect your bank through Plaid, read-only, supporting 10,000+ banks. We never see your credentials
4

See your decision and confirm your plan

  • A decision in minutes, explained plainly whether you're approved or declined
  • You see your full payment schedule before you accept anything
  • Nothing is due, and your contractor isn't paid, until you confirm the work is done

What you can finance

From emergency repairs to the projects you've been putting off

HVAC repairs

Don't sweat it out. Get your heating or cooling fixed now and pay in four.

Plumbing emergencies

Burst pipe? Water heater failed? Get it fixed today without draining your savings.

Electrical work

Panel upgrades, rewiring, or emergency repairs, handled now instead of someday.

Appliances

Fridge, washer, or water heater down? Replace it this week, not next month.

And these are just the common ones. Garage doors, septic, landscaping, and more. Ask your contractor whether SuprFi is available for your job.

The questions worth asking

What if I miss a payment?

There are no late fees from us, and a missed payment never adds interest; your plan stays at 0%. If a payment fails, your own bank may charge you for the returned transaction, which isn't something we control. If you think you'll be short, please reach out to support@suprfi.com before the due date and we'll work with you to help. Missed payments may also negatively impact your credit score.

What if I'm not happy with the work?

We don't pay your contractor until you confirm the work is complete, so if something's wrong, don't confirm. Contact us at support@suprfi.com and we'll help you sort it out with your contractor.

More questions, including approvals and how your data is protected? Visit the Help Center

Ready when your contractor is

Ask your contractor whether they offer SuprFi. If they do, they'll text you a link when they quote the job.

Already have a SuprFi payment plan? Make a payment