Flexible Financing Available

Don't Let Cost Stop You From
Fixing Your Home

Get the repairs you need today and pay over time. Same-day approval, 0% APR options, and plans for every budget — from $200 emergency fixes to $75,000 full renovations.

Call to Apply: (305) 331-3366Get a Free Estimate
No application fee Soft credit pull only Same-day decisions No prepayment penalty

Choose Your Plan

All plans are available for any SOS Home Solutions service. Call us and we'll match you with the best option for your project.

Most Popular

Same-Day Approval

0%
APR for 12 months

No interest if paid in full within 12 months. Perfect for AC repairs, plumbing fixes, and electrical work.

0% APR for 12 months
Approval in minutes
No prepayment penalty
Minimum $500 project
Available for all services
Project range: $500 – $15,000
Apply Now — Takes 2 Minutes

Call (305) 331-3366 to Apply

Best for Large Projects

Extended Low-Rate

7.99%
APR for 60 months

Spread large projects over 5 years with a low fixed rate. Ideal for full HVAC replacements, remodeling, and water damage restoration.

Fixed 7.99% APR
Up to 60-month terms
No hidden fees
Minimum $2,500 project
Perfect for HVAC replacements
Project range: $2,500 – $75,000
Get Pre-Qualified

Call (305) 331-3366 to Apply

For Urgent Repairs

Emergency Flex Pay

As low as 9.99%
APR — flexible terms

When disaster strikes, don't wait. Get emergency repairs done today and pay over time with flexible monthly payments.

Same-day emergency approval
Flexible 6–36 month terms
Low monthly payments
Available 24/7
Water damage, AC failure, plumbing
Project range: $200 – $10,000
Apply for Emergency Financing

Emergency Line: (305) 331-3366

How Financing Works

From application to repair — in as little as one day.

STEP 1

Call or Request a Quote

Tell us about your project and mention you're interested in financing.

STEP 2

Same-Day Approval

Our team submits your application. Most customers get a decision within minutes.

STEP 3

We Start the Work

Once approved, we schedule your service — often the same day or next day.

STEP 4

Pay Over Time

Make simple monthly payments directly to the lender. No surprises.

Financing Available for All Services

Every service we offer is eligible for financing — no exceptions.

❄️HVAC & Air Conditioning🔧Plumbing Repairs⚡Electrical Work💧Water Damage Restoration🏠Roof Repair🔨Home Remodeling🪟Window Installation🛡️Mold Remediation

Licensed & Insured

All technicians are fully licensed, insured, and background-checked. Your home is protected.

5.0 Google Rating

200+ five-star reviews from Miami homeowners. We stand behind every job we do.

24/7 Emergency Service

Financing is available around the clock for emergency repairs. Don't wait — call now.

Financing FAQs

How do I apply for financing?
Call us at (305) 331-3366 or submit our online quote form and mention you're interested in financing. Our team will walk you through the application — it takes about 2 minutes and most customers get an answer the same day.
What credit score do I need?
We work with multiple lenders to find options for a wide range of credit profiles. Customers with scores of 580+ typically qualify for at least one plan. We encourage everyone to apply — you may be surprised.
Is there a fee to apply?
No. Applying for financing is completely free and does not affect your credit score (soft pull only for pre-qualification).
Can I finance an emergency repair?
Yes. Our Emergency Flex Pay plan is available 24/7 for urgent repairs including AC failures, burst pipes, water damage, and electrical emergencies. Call (305) 331-3366 any time.
What is the minimum project size for financing?
Our Same-Day Approval plan starts at $500. The Emergency Flex Pay plan starts at $200. For larger projects over $2,500, the Extended Low-Rate plan offers the best monthly payment.
Can I pay off my loan early?
Yes. All of our financing plans have no prepayment penalties. You can pay off your balance at any time without extra charges.

Ready to Get Started?

Call us now and we'll match you with the best financing plan for your project — same-day approval, no obligation.

(305) 331-3366

Available 24/7 · Free to apply · No impact on credit score

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