Financing Your
Home Improvement project
with SHILA - Sustainable Home Improvement Loans of Arizona
Own a home in Arizona? That's the main requirement. No minimum credit score or home equity needed — we review every application individually.
💡 Tip: Including a co-borrower on your application can increase your chances of approval. A co-borrower's income and financial history are both considered in the review process.
What Happens Next
①Apply Online — Complete the short application below
② SHILA Reviews Your Application — We'll contact you within 24 hours
③ Loan Approved & Finalized — Review and sign your loan agreement
④ Contractor Match — We connect you with a qualified SHILA contractor
⑤ Project Begins — Your home improvement gets underway
To keep things moving quickly, please prepare and upload the following documents for your application:
Must Be the Homeowner
Applicant must own and occupy the property being improved as their primary residence.
Arizona Homeowners Only
SHILA currently serves Arizona homeowners only. Property must be located in Arizona.
Current on Property Taxes
There must be no delinquent property tax obligations on the subject property at time of application.
Current on Mortgage and Auto
Applicant must be current on all mortgage and auto loan payments with no recent missed payments.
Proof of Income Required
Documentation demonstrating a regular, verifiable income source. Employment, Social Security, and fixed income all qualify.
Disposable Income Available
Approval is based on ability to repay - some disposable income after monthly expenses. No minimum credit score.
Not sure if you qualify? Our team can walk you through requirements in English or Spanish. Call 602-753-6705.
Contact UsSimple, Guided,
and Always Supported
From your first click to completed project, SHILA is with you every step of the way.
You Apply
Complete the short online application at shilaaz.org/apply. It takes about 15 minutes. Share basic information about yourself, your home, and the improvement you need. No credit score minimum — every applicant is evaluated.
Takes about 15 minutesWe Review
Applicants with strong financials receive an instant pre-approval decision. For others, a Loan Officer will reach out to guide you. The faster documents are submitted, the faster your loan moves. Once all documents are received, underwriting typically responds within 24 hours.
Underwriting responds within 24 hrs of receiving all docsYour Loan Is Approved
Once approved, your contractor receives a Notice to Proceed. SHILA coordinates directly with your contractor throughout. Don't have a contractor yet? We can recommend a vetted SHILA-approved contractor in your area.
Don't have a contractor? We'll recommend oneWork Begins
Your contractor completes the project. SHILA handles final inspection and releases payment directly to the contractor — you never manage funds. Once the work is done and verified, your home improvement loan is fully in place.
Payment goes directly to your contractorRequired Documents
- Salaried: Last 2 pay stubs
- Hourly: Last 2 months of pay stubs
- Retired: 1 month of retirement income
(e.g. pension, Social Security) - Self-Employed: 2 years of tax returns
- Copy of your driver's licence (front only)
- 12 months of energy bill useage history
- Contractor quote (if available)
- Copy of your mortgage statement
(if applicable) - Copy of homeowner's insurance
- A voided check for ACH payment setup
If a Co-Borrower is Required
- Pay stubs or retirements letter
- Front only
Important Client Note
We recommend applicants have no past-due loans in the last two years. However, if a late payment was due to specific hardship or explainable reason, SHILA will review and consider the situation on a case-by-case basis.
Questions?
Call SHILA at 602-753-6705
Apply
