0% down.
Start sooner.
Approved homeowners begin their remodel with nothing out of pocket. Soft credit pull for pre-qualification — it won't affect your score.
Your first payment is due 30 days after your project is completed.
Live in your finished space before you owe a dime. No payments during construction.
0% down
No money out of pocket to start your project.
60-second pre-qual
Soft credit pull. No impact on your credit score.
Flexible terms
Fixed monthly payments. Terms from 12 to 144 months.
Estimate your monthly payment
Enter a project amount to see a ballpark monthly payment across our common term options. Final rates depend on credit and lender program.
Estimates only. Not a commitment to lend. Actual APR, term, and payment are determined by the lender after full application.
Questions about your payment schedule.
Straight answers on the 30-day rule, what counts as "completed," and what happens if the timeline shifts.
When is my first payment due?
Your first monthly payment is due 30 days after your project is marked complete — not when it starts. You won't owe anything during construction.
What counts as “project completion”?
Completion is the day we finish the agreed scope of work, walk the project with you, and you sign the completion certificate. That date starts your 30-day clock.
What if my project finishes earlier than planned?
Your first payment date moves with the actual completion date. Finish two weeks early and your first payment is simply 30 days from that earlier date. The lender is notified automatically.
What if the project takes longer than expected?
No payments come due while we're still working. If weather, permits, or change orders push the completion date back, the 30-day window resets to the new completion date — you're never billed for an unfinished job.
What if I add a change order mid-project?
Approved change orders roll into the same loan when possible. Your payment schedule recalculates from the final completion date so the 30-day rule still applies to the full scope.
Will I owe a deposit or any payment during construction?
No. 0% down means $0 at signing and $0 during the build. Materials, labor, and progress draws are all handled between us and the lender.
What does my monthly payment look like?
Fixed monthly payments on terms from 12 to 144 months. Your exact rate and payment are shown after pre-qualification — a soft credit pull that won't affect your score.
Can I pay the loan off early?
Yes. Our lending partners allow early payoff with no prepayment penalty on most programs. Ask us to confirm for your specific offer.
Who do I make payments to?
Payments go directly to the lender, not to GenNext Contractor. You'll receive welcome instructions and a payment portal once your loan funds.
Still have questions? Call (773) 861-6128 or start your application.
Fill out application
Takes about a minute. We'll follow up with pre-qualified terms within one business day.