Financing
A big project shouldn’t need a big pile of cash.
A roof, new siding, or a houseful of windows is one of the bigger checks most families ever write for their home. Paying for it is a real question, and we’d rather answer it straight than hide it behind a contact form.
Financing options we work with
We are a licensed contractor, not a lender. We work with several lenders so you can pick the payment plan that fits your project and your budget. Here are three we use most often.
United States Senate Federal Credit Union
- A fixed-rate, unsecured home improvement loan through our partnership with USSFCU. It is not tied to your home, so there is no appraisal, and there are no origination fees or closing costs.
- Get prequalified in minutes with no impact to your credit score.
- Not on Capitol Hill? Membership is open: a one-time $10 donation to the USSFCU Foundation makes you eligible, handled during the application.
See if you prequalify with USSFCU
Current rates, amounts, and terms are on USSFCU’s page. Loans are subject to credit approval. Not all applicants will qualify.
Synchrony
- Promotional financing offers for home projects, applied for at your consultation.
- Fast credit decisions and convenient monthly payments.
- Ask your consultant which Synchrony offer is available for your project.
Subject to credit approval. Minimum monthly payments required. See your consultant for details and additional financing offers.
Medallion Bank
- A home improvement loan arranged through us for roofing, siding, windows, and doors.
- Your consultant sends you the application link. No paperwork to chase, and decisions are quick.
- Ask your consultant for the Medallion Bank application link.
Subject to credit approval. Not all applicants will qualify.
These are some of the financing options we offer, not all of them. If you have questions about a different option, or you would rather use your own bank or credit union, call (703) 499-8654 and we will walk you through it.
You can also pay by check or credit card. Many smaller projects are simply paid outright.
Here’s how it actually works
1
Get your free quote
The consultation is free. One of our consultants comes out, measures everything, and gives you a real number at your kitchen table. Not a teaser price that grows later. The number.
2
Pick a payment option that fits
If one check isn’t how you want to do it, we’ll go over the financing offers available right then, including United States Senate Federal Credit Union, Synchrony, and Medallion Bank, or another lender that fits. The application takes a few minutes. Nobody from our office is going to chase you around your living room with a clipboard.
3
We get to work
Once you’re approved and scheduled, our crews take it from there. They’re the ones who earned our 4.9-star rating across 999+ verified customer surveys.
Two honest things you should know
Lending offers change during the year. That’s the reason there’s no rate table on this page. Anything we printed here would be stale in a few months, and we’d rather show you what’s actually current when we’re sitting across from you. USSFCU keeps its current rates on its own page, linked above.
You don’t need to have your budget figured out before we come. Tell your consultant what you’re comfortable spending. Quoting a job to fit a budget is normal for us. One of our customers put it this way: “Ryan worked with us to stay within our budget while still getting everything we wanted.” That’s the conversation. Just have it with us.
“Scott was amazing, not a bit of pushiness, he spent 20 min going over the different options and then we figured out what I wanted… Another company quoted me with an $1800 price diff and the salesman did everything he could to not leave my house with a sale (almost).”
David L · Vienna · windows
Financing questions we hear a lot
Do I have to be a USSFCU member?
Yes, and membership is open. If you do not work on Capitol Hill, a one-time $10 donation to the USSFCU Foundation makes you eligible, and it is handled as part of the application.
Will checking my options hurt my credit?
Prequalifying with USSFCU has no impact on your credit score. A full application with any lender may involve a credit inquiry.
What if I am not approved, or the payment does not fit?
Tell us. A different lender, a different term, or a smaller project scope often works, and we will tell you honestly if financing is not the right fit for your project.
Can I use my own bank or credit union?
Yes. Bring your own financing anytime. We are happy to work with it.
How long does it take?
Prequalifying with USSFCU takes minutes. Most lenders give a decision quickly, and your consultant handles the paperwork with you at the kitchen table.
Still in research mode? Smart.
We write real cost guides for Northern Virginia so you can walk into any estimate, ours or a competitor’s, knowing what things should cost around here:
What siding replacement actually costs here (2026 guide)
What replacement windows run in Northern Virginia
How to compare roofing quotes without getting burned
Read those, get your other estimates, then call us. We’ve been doing this in Northern Virginia since 1993 and we’re not worried about the comparison.
Financing is offered by independent third-party lenders and is subject to credit approval. Not all applicants will qualify. Sunshine Contracting is a licensed contractor, not a lender, and does not make credit decisions. Lender names are the property of their respective owners.