Rates & Terms
Most lenders need a page like this to explain their rate ranges. Ours fits in one sentence: your quote, split in four, at 0% interest.
How the plan works
Your total is the amount your contractor quoted, divided into four equal payments. Your plan starts when your contractor gets paid, which for most jobs is at completion: the first payment is due then, and three more follow at 30, 60, and 90 days. Paying on time never costs you more than the quote itself.
No hidden fees
There are no origination fees, no late fees, no prepayment penalties, and no hidden charges. You can pay your balance off early at any time at no extra cost.
How SuprFi makes money
Fair question. Contractors pay us a small fee on each transaction, the same way they pay a fee to accept credit cards. That's the whole business model, and it's how the plan stays free for you.
If you 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.
Example payment
A $750 HVAC repair is four payments of $187.50: the first at job completion, then three more at 30, 60, and 90 days. Total repaid: $750. Total interest and fees: $0.
Approval
Plans are subject to credit approval, and availability varies by state. Your contractor sends you a secure application link; you see your exact payment plan before you commit to anything.