Insulation Financing Options for Charlotte Area Homeowners

Looking for insulation financing to help cover the cost of energy upgrades to your home? Standard Insulating Company offers simple and flexible ways to pay for insulation, air sealing, crawl space encapsulation, and more. Whether you’re dealing with high energy bills, uneven temperatures, or uncomfortable rooms, getting the right upgrades shouldn’t be out of reach.

We work with Service Finance Company, LLC to make insulation financing easy for homeowners throughout the Charlotte area. With plans that fit a wide range of budgets, you can start saving energy now and pay over time.

Why Consider Insulation Financing?

Home performance work like attic insulation, crawl space improvements, and air sealing offers real long-term value. But we know not every homeowner can pay for these upgrades out of pocket. Financing spreads out the cost, which makes it easier to move forward with improvements that will lower your energy bills and make your home more comfortable.

These upgrades often start saving you money right away. Many homeowners see lower heating and cooling bills the first month after their project is completed.

  • 12-month same-as-cash
  • 60-month fixed financing at 6.99% interest

What Can You Finance?

We offer insulation financing for a range of services, including:

  • Attic insulation
  • Wall insulation
  • Floor insulation
  • Crawl space encapsulation
  • Radiant barrier installation
  • Insulation removal
  • Whole-home air sealing

We proudly work with Service Finance Company, LLC, a trusted national lender that specializes in home improvement financing. They’re a nationally licensed sales finance provider and an approved FHA Title I lender, with flexible options for projects like insulation, air sealing, and crawl space encapsulation. Since 2021, Service Finance has been a wholly owned subsidiary of Truist, a major U.S. bank headquartered in Charlotte. That local connection adds credibility and stability, giving many homeowners extra confidence when financing their upgrades.

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If you’re unsure which option is best for your budget, we’ll walk you through which plan makes the most sense for your home and help with every step of the process.

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Which Insulation Services Are You Interested In

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Get Comfortable Now—Pay Over Time

If your attic or crawl space is under-insulated or you’re noticing drafts, uncomfortable rooms, or high electric bills, financing can help you act sooner. Instead of putting off upgrades for budget reasons, you can make them now and enjoy immediate comfort and savings.

Our financing process is quick and straightforward:

  1. We help you determine which financing option fits your needs
  2. You apply securely online through Service Finance Company’s website
  3. We walk you through the paperwork and handle most of it for you
  4. You move forward with your insulation or home energy upgrade

Minimum credit scores typically start around 600 for basic approval, though better terms may require a score of 680 or higher. Lenders like Service Finance Company, used by Standard Insulating Company, offer flexible plans that accommodate a range of credit profiles.

In many cases, Charlotte homeowners can stack insulation rebates from Duke Energy with our available financing plans. This means even lower total project costs—and better long-term value. Our team will check which rebates apply and help you claim them.

Yes, financing options are often available for rental properties, though they may carry different terms. Approval may depend on the property type, owner’s credit history, and occupancy status. Check with your provider for specific rental property programs.

Some financing providers offer promotional 0% interest or deferred-interest “same-as-cash” plans for qualified borrowers. These offers typically range from 6–18 months and require on-time payments. Check with your contractor or lender to see if such plans are currently available.

Most financing applications are reviewed instantly or within 24 hours. Once approved, funds are made available to the contractor directly, streamlining the project timeline.