Remove the budget barriers to home renovations

Renovations can increase the comfort and value of your home, but-as every homeowner knows-they

can quickly go over budget. Whatever the job, LendCare can help bring it to life with easy financing.

Covering everything from roof repair and window replacements to HVAC upgrades and deck expansions,

our flexible financing options allow homeowners to move forward with projects now and pay them off in

smaller installments over time, with terms that fit their budget.

Start planning your home improvement project today. Apply now with our easy online application and get

pre-approved in minutes.

Apply Now

Confidently plan your next project!

*Conditions apply.

Approval decisions in seconds

A secure, encrypted process to keep your information safe

Flexible approvals for all credit types

Easy payment plans up to 180 months*

No penalty for early repayment

Get Started

Complete the Application

Applying takes only a few minutes and will not affect your credit score.

Get an Instant Decision

Get a quick pre-approval so you can start planning your purchase.

Make Your Purchase

Select and visit one of our trusted retailers to complete your purchase.

*LendCare only performs a soft credit check as part of its application process

Get Started

What types of services are covered by this program?

Our home improvement financing covers many services and upgrades, such as eavestroughs,

windows, flooring, kitchens, water systems, roofs, alarm systems, plumbing, solar power systems

and more.

Can I pay off my loan before the end of the term?

Yes. Our home improvement loans are open with no pre-payment penalty, meaning you can

make additional payments without incurring any fees. This includes paying off the entire loan

amount before the end of your term.

We’ve made it easy for you to manage your loan with flexible payment options.

Making extra payments on your loan is a great way to make progress toward your financial goals.

Here’s how you can get started:

E-Transfers: Quickly send payments directly from your bank’s online platform.
In-Person Deposits: Visit any BMO branch for personalized service.
Payee Setup: Add LendCare as a payee in your bank account for seamless future payments.