Is it time to replace your dated or damaged windows with newer energy-efficient windows? Wise decision. After all, the upgrade could make your home more comfortable while decreasing your energy bills significantly — making the investment worthwhile. That said, installing new windows does come at a high price — especially if they involve all the windows of your house. So, should you opt for window financing?

Yes. Window replacement is indeed a significant investment and may require window financing. Lack of adequate funds shouldn’t stop you from going forward with your window replacement project. Remember that investing in high-efficiency, energy star rated windows will pay off big time in lowering your energy bills for years to come.

The cost of a single-window replacement may be as inconsequential as $400 but when you multiply that by the total number of windows in your home, not to mention the total window installation costs, the home improvement can get a bit pricey.

The best way to finance windows could be through your window installer. Or, you could opt for window replacement financing through a credit card, a home equity loan, or by refinancing your mortgage. We’ll talk more about the benefits of window financing, vital signs that your home needs new windows, and the best loans for replacement windows.

How do I know that I need to replace my windows?

Your windows may look fine from afar, but there might be some telltale signs of underlying serious issues. Look out for some of these warning signs. And, if you notice any of these, it’s time to consider replacing your windows.

  • Drafts even through closed windows.
  • Significant increase in your energy costs.
  • Poor or faulty window operation.
  • Visible condensation or moisture build-up between the window panes.
  • Infiltration of outside noise.
  • Decaying window frames.

Can you finance your windows?

Of course, you can. With Kukun’s easy loan options, financing window replacement is easy and hassle-free. In fact, you can replace both doors and windows with the quick funds you receive through this ideal financing plan for you. You can pay monthly for your new windows with an installment payment plan facility. It’s an easy alternative to paying for your windows through cash or credit card. 

What is the best way to finance your windows?

When it’s time to replace all the windows and doors in your house, you need to look for the best loan options for window replacement. You can use any of the financing options for this large project. That way, you can purchase new windows and doors, and do all the replacements all at once.

Home equity line of credit (HELOC)

With a home equity line of credit, you can borrow money that you can tap into as and when required. If you opt for HELOC, make sure you have the funds to make regular monthly payments. The financial option comes with a variable interest rate. Any default on your repayment can adversely affect your credit score. 

Home equity loan

A home equity loan gives you a lump sum amount of money to buy new windows and install them. The loan comes with a low-interest rate.

Mortgage refinance

Refinancing mortgage is another popular option when it comes to window replacement financing. The only time you should consider refinancing is when it gets you a lower interest rate with which you can improve your home and make the necessary repairs such as window and door replacements.

Personal loan

If you don’t have much equity built up in your home, or if you don’t want to use your home equity, you can opt for a personal loan. But this loan option often comes with a higher interest rate.

Financing through your window and door company 

Many window and door companies offer window and door replacement financing. An advantage is that you can buy the fixtures and finance them all in one location instead of worrying about going to banks or loan lenders or credit unions. Do note that the interest rates may be higher than some of the other financing options.

Credit cards

A credit card, although a convenient payment option, often comes with the highest interest rates. Here too, any default in the monthly payment will negatively affect your credit rating. A good idea is to get a new credit card with 0% introductory interest and use the money to pay for your windows.

Upfront cash

If you have the cash to pay for your new windows, use it. It’s a better idea to pay cash than to accrue debt.

Can I qualify for window financing with bad credit?

In case you have a bad credit score, your best choice for window replacement financing is to use a personal loan or pay through credit cards. That said, you can always look for online lenders who are willing to lend you money with a less-than-perfect credit score or zero credit history. A tarnished credit score may mean higher interest rates for you, though. 

Window replacement financing benefits

You could always save up enough money and pay for your replacement windows upfront. However, why go through the trouble when you can easily finance your home window replacement? 

Here are some benefits of window financing through Kukun:

  • Availability of loans with low-interest rates: Our window replacement loan options come with low-interest rates — making it possible to buy the type of windows you want for your home. 
  • Easy loan application process: You can easily apply and get approval for a replacement window loan. Once we perform a credit check and your personal information to see if you qualify, you’re all set. A quick and smooth loan approval would mean that you can move forward with your planned home renovation faster than ever.
  • A precise estimate of your loan amount: Financing through Kukun will help you estimate the actual loan sum you require for the window replacement. That way, you needn’t borrow more than what you actually require. 
  • The option to check loan interest rates without impacting your credit score.

Are window replacements worth it?

Replacing all the windows of a home can seem like a large investment to make, considering the average cost of replacing a home window can range between $150 to $750. Keep in mind that while normal double-hung windows will fall within this price range, a large wooden bay window may cost you upwards of $2,250 to replace. So it is only natural to wonder if investing in window replacements for your home is worth it.

The short answer to the question is a resounding, “Yes.” Let’s take a look at the reasons why.

1. Energy efficiency

A whole whose window replacement can lead to substantial savings on energy bills, especially if your new windows are Energy Star certified. How much you actually will be able to save depends on your location. That being said, a report published by the Department of Energy states that those living in colder climates can expect to save as much as $400 a year by simply swapping out single-paned windows to Energy Star ones.

These savings are not limited to the colder states alone. Those living in warmer climates, like Southern California, can also save money by replacing their older windows with energy-efficient ones.

2. Return on investment

Depending on whether you choose vinyl window frames or wood, your new windows will pay for themselves at a rate of one window per year for vinyl windows, and one window every two years for the wooden ones.

Most homeowners will recover as much as 81% of their investment when they sell their home.

The cheapest way to replace windows

Here are some pro tips on reducing the overall cost of replacing your home’s windows.

1. Choose a cheaper window material

While a classic wood window is the benchmark in aesthetics, experts agree that it doesn’t really make much of a difference in functionality.

While wooden frames are the  most expensive choice, frames made of fibreglass are less expensive, while solid vinyl frames are the least expensive of all.

2. Stick to a conventional style

Conventional window styles, like double-hung, casement, single-hung, sliders and fixed windows are a lot more affordable than choosing bays, boys, hexagons and curved windows.

3. Negotiate

Negotiate the cost of both materials and installation with your window replacement company. All of them, even authorized dealers, will be open to price negotiations. Make sure you get at least three quotes before you decide on a vendor.

Our suggestion is to try and work with local contractors who specialize in window replacements. These companies often buy and stock window frames and panes in bulk from manufacturers, and offer end-to-end solutions to customers. These companies are more likely to give you competitive prices and better service to ensure your patronage.

Are window replacements tax deductible?

Replacement windows are tax deductible, just as long as they meet the following criteria:

  1. Your replacement windows must be manufactured by an Energy Star partner.
  2. The windows must meet the stringent energy efficiency guidelines as outlined by the EPA (Environment Protection Agency).
  3. All windows must be tested and certified by the National Fenestration Rating Council (NFRC).
  4. These window replacements must be for your primary residence. New constructions, holiday homes and rentals do not qualify.
  5. The replacements must be made within the timeframe dictated by the IRS.
  6. You can get a tax credit of upto 10% of the replacement cost, or $5000, for doors and windows. Tax credits for skylights are capped at $200. 


Is it time to replace all the windows (and doors) of your house? Well, now you have an idea of how to finance this home improvement project. Want a stress-free loan plan? Apply for a loan, today!

Home Window Replacement Financing & Loans was last modified: March 24th, 2021 by Ramona Sinha