Pay over time
Impact windows and doors are a big-ticket project. Financing them is as normal as a car payment, and many of our customers finance when they sign. Here are your options, side by side, in plain English.
Updated
Why finance
One impact slider runs $2,500–$3,500 installed and a single French door $2,800–$4,000. A whole house of openings adds up fast.
Nobody blinks at a car payment. Construction works the same way: financing at signing is common today, and many of our customers do it.
Keep your cash for emergencies, hurricane season included, instead of emptying it into one project.
Storms don't wait for you to save up. Paying over time lets you protect the house now.
A variety of options
Upgrade: "Checking your rate won't impact your credit score." Upgrade checks your rate with a soft inquiry and makes a hard inquiry, which may impact your credit score, once your loan is funded (Upgrade help center).
Sunlight Financial, Service Finance and RenewPACE don't have a self-apply link. We apply with you during your free quote.
Examples assume the full amount is financed with $0 down, a fixed APR and equal monthly payments; they're rounded. Every offer is subject to credit approval by the lender, who sets your final rate and term. Your loan documents show the APR and fees.
Run your number
Paid with your property taxes
What it is: PACE (Property Assessed Clean Energy) pays for qualifying improvements, impact windows and doors included, through an assessment on your property. You repay it on your property tax bill, and it's recorded as a lien. In Florida, the rules for homes are in §163.081, with definitions in §163.08.
Our PACE option: Republic offers PACE financing through Renew Financial (RenewPACE). Read the pros, cons and fine print below before you choose it.
PACE is only offered where the local government has authorized a program administrator by ordinance or resolution.
Fla. Stat. §163.081(1)(a)Property taxes and mortgage current, no recent bankruptcy, no reverse mortgage. The total can't top 20% of the home's just value, and annual payments can't top 10% of household income.
Fla. Stat. §163.081(3)(a)Annual assessment, APR, term, first due date. You acknowledge each item in writing, then confirm them on a recorded phone call.
Fla. Stat. §163.081(4)At least 5 business days before signing, you give your lender or servicer written notice of the amount and the annual payment.
Fla. Stat. §163.081(5)You can cancel within 3 business days after signing, with no penalty.
Fla. Stat. §163.081(6)The agreement is recorded as a lien equal in rank to county taxes. You repay once a year on the property tax bill, for as long as 20 years.
Fla. Stat. §163.081(3), (7)The fine print the law protects. PACE isn't a government assistance program and it isn't free; it has to be repaid. Utility and insurance savings aren't guaranteed and don't lower the assessment. Since March 1, 2026, federal ability-to-repay rules also apply (CFPB, Regulation Z). Sources: §163.081(4), §163.085, CFPB.
No lien on your home
What it is: an installment loan made on your promise to repay, not on your house. You borrow a set amount and pay it back in equal monthly payments over a set term. Approval and rate come from your credit and income (FDIC).
Side by side
| Feature | PACE | Unsecured loan |
|---|---|---|
| How you pay | Once a year, on your property tax bill | Monthly, to the lender |
| Lien on your home | Yes, ranked with property taxes | No |
| Approval looks at | Your property, taxes, mortgage, and income (payments capped at 10% of income) | Your credit and income |
| Longest term | 20 years, by Florida law | Set by the lender. Our published offers run as long as 20 years |
| Selling or refinancing | A lender may require full payoff first | Not tied to the house |
| Cancel after signing | 3 business days, by law | Per your loan agreement |
| Paying early | No penalty beyond nominal admin costs | Check the agreement for a prepayment penalty |
| Where it's offered | Only where your county or city opted in | Anywhere the lender lends |
PACE rules are from Fla. Stat. §163.081 (2026). Loan terms vary by lender; your agreement governs.
State grant
My Safe Florida Home is the state's hurricane-hardening program, run by the Florida Department of Financial Services under §215.5586. If you qualify, the grant covers part of your impact windows and doors, and financing can cover the rest. Checked October 21, 2026.
A matching grant: the state pays $2 for every $1 you pay, up to $10,000, on a reimbursement basis. Low-income homeowners can get up to $10,000 with no match.
Source: §215.5586(2)(c), (h)Your homesteaded, owner-occupied, site-built single-family home (or a townhome up to three stories), built before January 1, 2008, insured for $700,000 or less. Grants are for low- and moderate-income homeowners.
Source: §215.5586(1)(a), (2)(a)A free wind-mitigation inspection through the program comes first, within 24 months before you apply. Only the upgrades it recommends are covered, and the grant must be approved before work starts.
Source: §215.5586(2)(a)3., (e)Yes. As of October 21, 2026, the program's support page says it is accepting applications. Funding depends on the state budget and can run out.
Source: MSFH support centerHow the math works. The matching grant pays you back after a paid-in-full invoice. On a $15,000 job, you pay $15,000, the grant reimburses $10,000, and your share is $5,000. Above $15,000, everything past the $10,000 grant is yours, and that's where financing helps. Example from the program's Homeowner's Guide; see also matching vs. low-income grants. Start at mysafeflhome.com.
Lower the premium
Florida law requires home insurers to offer discounts for proven wind-mitigation features (§627.0629). After the install, a licensed inspector fills out the state's Uniform Mitigation Verification Inspection Form, OIR-B1-1802. Question 9, Opening Protection, records the weakest protection on any opening: windows, entry and sliding doors, skylights and the garage door. One unprotected or damaged opening sets the level for the whole house, so the top credit usually needs every opening protected. The form is good for up to five years. Savings vary by insurer, so ask your agent what the form is worth on your policy.
The bigger picture
A lump sum secured by your house, usually at a fixed APR and repaid monthly. If you don't repay, the lender can foreclose.
Source: FTCBorrow as you need it, up to a limit, secured by your house. Payments vary with what you've borrowed.
Source: FDICBuilt for new homes and major renovations, where the lender pays out in stages as work is finished. For windows and doors, a home improvement loan is the usual fit.
Sign with confidence
Yes. We publish three loan offers, listed with their terms in the offers section above, through Sunlight Financial, Service Finance, Upgrade, and Renew Financial. We also offer PACE through Renew Financial. Republic is not a lender, and every loan is subject to credit approval by the lender.
Completely. Impact windows and doors are a big-ticket project, and paying over time is as ordinary as a car payment. Financing at signing is common across construction today, and many of our customers do it. It keeps your savings free and gets the house protected before the next storm.
Once you have a real price. We measure at your home for free and the written quote is usually back within 24–48 hours. The lender then sets your rate, term and approval, so we never promise a payment before they do. Our published offers give you a starting point.
PACE pays for qualifying improvements, impact windows and doors included, through an assessment on your property. You repay it yearly with your property taxes, for as long as 20 years, and it's recorded as a lien. Republic offers PACE through Renew Financial (RenewPACE) where your county or city has authorized it under Florida §163.081.
It can. Florida's required disclosure warns that a mortgage lender may make you pay off the full PACE balance when you sell or refinance, and the CFPB says most lenders won't refinance with an open PACE balance. You must also give any buyer a written PACE disclosure before the sale contract is signed.
No. An unsecured home improvement loan is based on your promise to repay, not on your house as collateral. Nothing is recorded against your title. The trade-off, per the FDIC, is that lenders see these loans as riskier and may charge a higher rate than a loan secured by your home.
Only if you pay it off in time. It's deferred interest: no interest if paid in full within 12 months. Interest builds in the background during the promotion, and if the balance isn't paid in full by the end, all of it is charged back to the purchase date, per the CFPB. Plan your payoff date.
There's no single number. Each lender sets its own credit requirements, and your score, income and debts shape the rate and term. Per the CFPB, a soft inquiry doesn't affect your credit score; a hard inquiry, made when you apply for credit, can. Upgrade checks your rate with a soft inquiry. Florida PACE approval looks mainly at your property.
Often, yes. A home improvement loan pays for the project you sign, so one contract that covers impact windows, doors and a new roof can be financed together, up to the amount the lender approves. Florida PACE also covers roofs, windows and doors. The lender decides the final amount, rate and term.
Possibly, but check both first. The matching grant reimburses you after you submit a paid-in-full invoice, and the grant must be approved before work starts. Neither the program's guide nor the PACE statute says whether PACE can fund your share, so ask My Safe Florida Home and the PACE administrator before you sign anything.
With Florida PACE, yes: the law bars prepayment penalties beyond nominal administrative costs. With any other loan, check the agreement before you sign. The FDIC notes that some loans carry prepayment penalties and others don't, so ask the lender directly and get the answer in writing.
Primary sources
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Next step
Tell us a little about the project. We'll measure for free, quote within 24–48 hours, and walk you through the options that fit.
This isn't a credit application and doesn't affect your credit. We never ask for your Social Security number, date of birth or income on this form.