Book Visit

Financing

Flexible financing — from $99/month, instant approval

Apply in minutes with a soft credit check that won’t affect your score. Most H & E customers see real offers across multiple lenders within a few minutes and can lock in 0% APR promotional plans or stretch terms up to 12 years for lower monthlies.

Apply now — soft credit checkCall (832) 569-8899 to talk it through

No effect on your FICO score for pre-qualification. Hard credit pull only happens after you accept an offer and move to underwriting.

Loan terms at a glance

Project range
$500 – $200K
Maximum term
Up to 12 yrs
Credit accepted
FICO 550 – 850
0% APR options
Qualified buyers

How financing works at H&E

  1. 1

    Apply online in minutes

    Fill out a single Enhancify form — name, project type, ballpark amount. Soft credit pull only. No effect on your FICO score and no commitment.

  2. 2

    Get matched with a lender

    Enhancify and our partner network return real offers across Synchrony Bank, Hearth Financing, and local Houston credit unions — usually within minutes.

  3. 3

    Choose your plan

    Compare APR, term length, and monthly payment side-by-side. Lock in 0% APR promotional plans if you qualify, or stretch payments over up to 12 years for lower monthlies.

  4. 4

    Your project starts

    Once you accept and we schedule template, your countertops, cabinets, or full remodel move into production. Most stocked-slab jobs install in 3–5 business days.

What real H&E projects look like financed

Sample monthlies assume average APR for the credit tier and term shown. Exact terms depend on your application. Call us at (832) 569-8899 and we’ll walk you through real numbers for your project.

Bathroom vanity countertop
$1,800
≈$58/mo over 36 months

Quartz or granite top + undermount sink + edge profile + install. Smaller projects qualify for shorter, lower-APR terms.

Kitchen countertop install
$5,500
≈$110/mo over 60 months

Average Houston-area kitchen runs 40–55 sq ft of countertop surface. Includes template, fabrication, and install with the same crew.

Full kitchen — cabinets + countertops
$25,000
≈$360/mo over 84 months

Semi-custom cabinets, quartz countertops, sink + faucet, backsplash. 4–8 week turnaround. Single point of contact from design to install.

Primary bath remodel
$18,000
≈$295/mo over 72 months

Vanity + countertop + walk-in tile shower + floor tile. Humidity-aware waterproofing standard. 3–5 week turnaround.

Our financing partners

We work with multiple lenders so you can compare offers side-by-side. Different credit profiles fit different lenders best — Enhancify is usually the fastest path to a single offer; the other three are alternatives for specific credit tiers and project types.

Enhancify

Primary network

Our main financing partner. Soft-pull pre-qualification, multi-lender offer matching, FICO 550 and up. Built specifically for home remodel + stone fabrication projects.

Synchrony Bank

Promotional APR programs

0% APR for qualified buyers on terms up to 60 months. Best for buyers with strong credit who want a defined, interest-free payoff window.

Hearth Financing

Alternative lender network

Multiple-lender soft-pull network — useful when Enhancify offers don't quite fit. Loans up to $100,000, terms up to 12 years, no prepayment penalties.

Local Houston credit unions

Higher-credit borrowers

We refer FICO 720+ buyers to local Houston credit unions for the lowest available rates on larger remodel projects. Typically a hard-pull, longer underwriting, but the lowest long-term cost.

Financing FAQs

Financing starts at $500, so almost any project at H & E Building Material Corp can be financed — a single bathroom vanity, a small backsplash, or a full kitchen with island. Maximum financed amount is $200,000 depending on credit profile.
No. Enhancify and Hearth use soft credit pulls for pre-qualification, which has zero effect on your FICO score. Only if you accept an offer and move to formal underwriting does a hard pull happen — and at that point you already know the terms.
Our partner network accepts FICO scores from 550 to 850. Lower scores (550–620) typically see shorter terms and higher APRs; mid scores (650–720) get the widest selection of offers; higher scores (720+) qualify for 0% APR promotional programs and the lowest rates.
Yes — on smaller projects (around $5,000–$8,000) financed over 60 to 120 months. A $7,000 quartz countertop install at 10% APR over 7 years runs about $116/month; the same project at 0% APR over 5 years runs about $117/month. The exact monthly depends on your project size, term length, and approved APR.
An $8,000 stone countertop project with $800 down (10%) and the balance financed over 36 months at 8–12% APR runs $220–$260 per month. A $25,000 full kitchen remodel financed over 84 months at a similar rate runs about $360 per month. We can walk through exact numbers for your project at the showroom.
No prepayment penalties on any of our partner loans — pay off early at any time with no fee. Most lenders also have no origination fees. Always confirm the exact terms on the offer screen before accepting; APR shown is all-in.
Yes. Saturday blowout pricing is already factored in before financing — meaning you finance the discounted price, not the original. This is one of the most popular ways customers stretch a project budget further.
We can begin the design + template phase with a small deposit (typically $500–$1,000) while financing is in underwriting. Production doesn't begin until financing is approved and the contract is signed.

Ready to start? Apply in 3 minutes.

Soft credit check. Real offers from multiple lenders. Zero commitment. Or call us and we’ll walk you through your specific project numbers — no pressure.

Apply through EnhancifyCall (832) 569-8899Visit the showroom

Ready to start your project?

Visit the showroom or call — we answer during business hours.

Call or text · Showroom + Fabrication(832) 569-8899