A custom deck or remodel is a meaningful investment in your home. For many homeowners, the question isn’t whether the project is worth it, it’s how to move forward now without emptying savings or putting other priorities on hold. Flexible financing makes that possible so you can start building today and spread the cost over time.
WJC Decks and Remodeling works with Momnt to offer qualified homeowners simple, fast, and affordable financing for deck, outdoor living, and remodeling projects.
Paying cash isn’t always the smartest move, even when you can. Here’s how financing a deck or remodel can actually work in your favor.
A deck should make your home more valuable, not leave your emergency fund exposed. Financing lets you invest in your property while keeping cash on hand for unexpected repairs, medical expenses, or the opportunities that come up when you least expect them.
Composite decking, lumber, and hardware prices move with the market. Starting now protects you from future increases. Waiting 12 months to save up could mean paying more for the same materials, which can wipe out the savings you were trying to build.
A well-built deck adds real resale value to your home. When the cost of financing is reasonable and the deck adds measurable value, financing can be a sound financial decision rather than a compromise. You’re investing in an asset, not burning money on a depreciating purchase.
A quality deck built with products like TimberTech by Azek is designed to last 25 years or more. Financing that build over 5 to 7 years means you’re paying for the deck while you’re using it, not years before you get to enjoy it.
Below are the financing programs available through Momnt, our trusted financing partner. Specific terms, rates, and approval depend on your credit profile. You can see your personalized offers with a soft credit pull that does not affect your credit score.
Standard Home Improvement Loan Through Momnt
Promotional Financing Through Momnt
Applying through Momnt is straightforward and doesn’t affect your credit score during the pre-qualification step.
Pre-qualification uses a soft credit pull, which does not affect your credit score. A hard credit pull only happens if you choose to move forward with a specific loan offer.
Qualified borrowers can access up to $75,000 through Momnt. Your specific offer depends on your credit profile, income, and project size.
Funds are paid directly to WJC Decks and Remodeling once your loan is approved and your project is ready to start.
Repayment terms vary based on the loan offer you select. You can review all terms, including your interest rate and monthly payment, before accepting any offer.
Yes, you can pay off your loan early at any time without heavy prepayment penalties. Paying ahead of schedule can also reduce the total interest you pay over the life of the loan.
Momnt Technologies, Inc. arranges consumer loans used to purchase goods and services from its participating merchant businesses. All loans are originated by participating financial institutions. All loans are subject to credit approval. Loan terms, rates, fees, and eligibility are determined by the lending institution based on the applicant’s credit profile. This page does not constitute a loan offer or commitment to lend.
See what you qualify for in minutes without ruining your credit score.
Or reach out to us at WJC Decks and Remodeling directly and we’ll walk you through the options.
