Why More Homeowners and Contractors Are Choosing SHILA Financing

SHILA Financing

When it comes to making home improvements, financing can make or break a project. At Sustainable Home Improvement Loans of Arizona (SHILA), we’re here to make sure it makes it.

SHILA offers affordable, unsecured loans for energy-efficient upgrades and disability-related improvements—with no dealer fees, no equity required, and no minimum credit score. Whether you’re replacing a roof, installing a new HVAC system, or adding safety upgrades for an aging loved one, SHILA was built to make the process easy, fair, and fast.

Why Use SHILA Financing?

1. Competitive Rates – With No Hidden Fees

Our rates start as low as 6.5% for up to 10 years. That’s a big win compared to many personal loans or dealer-arranged financing, which often come with hidden fees or higher rates. SHILA financing is transparent, fair, and affordable.Home Financing

2. No Equity Required

You don’t need to own your home free and clear or tap into your home’s value. SHILA loans are unsecured, which means your home is never at risk.

3. No Minimum Credit Score

We believe access to safe, affordable housing should be available to everyone. That’s why we work with a wide range of credit profiles—and never require a minimum credit score.

4. Special Focus on Arizona Families

We proudly focus on low- and moderate-income homeowners in Arizona, with a special focus on seniors, veterans, and individuals with disabilities. Our goal is to keep all families safe, comfortable, and in their homes.

5. Trusted by Arizona Contractors

SHILA partners with local contractors who want to grow their business while helping their neighbors. Our fast approvals and simple paperwork make us the smart financing choice for contractors, too.

Talk to Your Contractor About SHILA

If you’re planning a home improvement project, ask your contractor if they offer SHILA financing. If they don’t—tell them to reach out! We’re growing fast across Arizona and welcome new contractor partners who share our mission.

Want to Learn More or Apply?

Visit us at SHILAaz.org or call us at 602-753-6705. We’re here to help you make your home safer, more efficient, and more affordable—without the stress.