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Home Project Financing

Finance your home.
Get approved in minutes.

Through our partnership with Synchrony Bank, Vineyard homeowners can apply for financing directly in the platform — no branch visits, no paperwork, no waiting.

⚡Decision in minutes
💳0% APR options available
🔒Soft credit check available
🏦Synchrony Bank
Vineyard partners with Synchrony Bank — one of the largest consumer financial companies in the US, offering specialized home improvement financing programs.
Financing Partner
Synchrony
HomeDesign Credit Program
⚡
Minutes
Fast approval decision
Apply directly in the Vineyard platform. Get a pre-approval decision in minutes — no branch visits, no paperwork piles, no waiting days for a callback.
💰
0%
APR promotional periods
Qualifying purchases may be eligible for 0% APR promotional financing. Pay off your project over time without interest piling up during the promo period.
📋
Flexible
Monthly payment plans
Choose the plan that fits your budget. See your estimated monthly payment before you apply. No surprises — just a clear path to getting your project done.
Financing Options

Pick the plan that
fits your project.

Adjust your project amount to see estimated monthly payments for each plan. Actual terms determined at approval.

Project Amount
$5,000
$1,000$50,000
Most Popular
6
month promotional period
0% APR Promotional
~$834/mo
Interest charged if not paid in full by end of promo period
12
month promotional period
0% APR Promotional
~$417/mo
Interest charged if not paid in full by end of promo period
18
month promotional period
0% APR Promotional
~$278/mo
Interest charged if not paid in full by end of promo period
Apply Now — Free to Check
Checking your rate won't affect your credit score
How It Works

Four steps to
funded.

01
Fill out the form
Takes about 3 minutes. Basic personal and income information — no branch visit required.
02
Get a decision
Synchrony reviews your application and returns a decision in minutes. Check your approved credit limit.
03
Choose your project
Browse verified Vineyard providers and hire with confidence — your financing is already in place.
04
Pay milestone by milestone
Use your Synchrony credit account to release milestone payments — all managed inside Vineyard.
Apply Now

Your dream home project
starts here.

Apply for Synchrony HomeDesign financing in minutes. Checking your eligibility won't affect your credit score.

✓Soft credit check available — no impact to your score
✓Decision in minutes, not days
✓Flexible promotional financing terms
✓Use your credit line for any Vineyard project
✓Payments managed inside your Vineyard dashboard
Security
Your information is encrypted and transmitted securely to Synchrony Bank. We never store your SSN — it goes directly to Synchrony for verification.
Personal Information
🔒 Sent directly to Synchrony. Never stored by Vineyard.
Address
Financial Information
Gross annual income before taxes. Alimony/child support optional.
By submitting, you authorize Vineyard and Synchrony Bank to obtain information about you from consumer reporting agencies. This may affect your credit. See Terms and Privacy Policy.