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Window Companies With 0% Financing Options (2024 Guide)

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We chose Champion as the best window company with 0% financing options due to its flexible contract terms and long-standing reputation.

Written by Jessica Wimmer Updated 11/05/2024

Our recent survey of 1,000 homeowners showed most people would purchase new windows sooner if they knew about companies with 0% interest or 0% down financing options. While this can be difficult to find in the window industry, two national companies caught our eye. We found Champion and Window Nation offer attractive window financing options while being well-rated by customers.

Learn more about each of these window companies with 0% financing in our guide.

Compare Window Replacement Companies

See which top window replacement companies we recommend regardless of financing options.

Brand	Best For	Link
Renewal by Andersen	Best Installation	GET ESTIMATE
Champion	Best Financing	GET ESTIMATE
Window Nation	Best Wood Windows	GET ESTIMATE
Power Home Remodeling	Best All-in-One Provider	GET ESTIMATE
Castle Windows	Best Warranty	GET ESTIMATE
Milgard	Best Fiberglass Windows	GET ESTIMATE
Marvin	Most Diverse Selection	GET ESTIMATE
Harvey	Best Vinyl Windows	GET ESTIMATE

Renewal

Champion

Window

Power

Castle

Milgard

Marvin

Harvey

Renewal by Andersen
Logo
Star Rating
Best For	Best Installation

GET ESTIMATE

Champion
Logo
Star Rating
Best For	Best Financing

GET ESTIMATE

Window Nation
Logo
Star Rating
Best For	Best Wood Windows

GET ESTIMATE

Power Home Remodeling
Logo
Star Rating
Best For	Best All-in-One Provider

GET ESTIMATE

Castle Windows
Logo
Star Rating
Best For	Best Warranty

GET ESTIMATE

Milgard
Logo
Star Rating
Best For	Best Fiberglass Windows

GET ESTIMATE

Marvin
Logo
Star Rating
Best For	Most Diverse Selection

GET ESTIMATE

Harvey
Logo
Star Rating
Best For	Best Vinyl Windows

GET ESTIMATE

Providers

Star Rating

Best For

Price Range

GET ESTIMATE

Best Installation

$400–$1,850

GET ESTIMATE

Best Financing

$300–$1,700

GET ESTIMATE

Best Wood Windows

$500–$1,600

GET ESTIMATE

Best All-in-One Provider

GET ESTIMATE

Best Warranty

$300–$2,325

GET ESTIMATE

Most Diverse Selection

$400–$1,925

GET ESTIMATE

Best Fiberglass Windows

$300–$1,700

GET ESTIMATE

Best Vinyl Windows

$500–$2,350

How Can I Save on Window Replacement?

If budget is your priority, know there are many ways to save money on window replacement. Some common ways to keep window costs low include the following:

Buying windows in bulk
Choosing a cheaper style, such as a single- or double-hung design
Going with a more budget-friendly frame material, such as aluminum or vinyl
Installing out-of-season when contractors aren’t busy
Keeping your window’s grid layout simple
Opting for a standard color and size
Repairing a minimally damaged window instead of replacing it

The Best Window Companies With 0% Down Financing

These companies rate highest against our methodology while offering appealing financing terms.

Champion

Best Financing

4.6

Champion is a well-known window manufacturer with multiple ways to finance and save money when buying new windows. Customers have the option of a 0% interest rate, no money down, and no payments for 12 months. The company also offers frequent discounts, such as a buy-two, get-two.

How We Scored Champion

We awarded Champion 4.3 out of 5 stars. Here’s how it rated in key categories:

Services and benefits (5 out of 5 stars): Champion earned full points in this category for having in-house installation, Energy Star certification, and other sought-after perks.
Warranty (5 out of 5 stars): Champion offers a comprehensive manufacturer’s and labor warranty.
BBB and Google rating (3 out of 5 stars): Champion lost points for not having a Better Business Bureau (BBB) rating but earned some back for having a strong Google rating.
Customer service (5 out of 5 stars): Champion earned full points for its easily accessible customer service.
Window features (5 out of 5 stars): The brand’s customization options and specialty glass coatings earned it 10 out of 10 points.
Window line offerings (3.8 out of 5 stars): Champion doesn’t offer many window material options, but the ones it does make are budget-friendly.
Window variety: (4.5 out of 5 stars): Champion’s inventory includes the most popular styles, though it doesn’t carry cost-conscious single-hung windows.

Pros and Cons

Pros Offers multiple discounts Has its own in-house installation team Sells Energy Star-certified windows Cons Isn’t rated on BBB Isn’t available nationwide Has some customer reviews citing slow timelines

Price and Warranty

Our survey showed Champion’s price to be $300–$1,700 per window on average, depending on window type and size.

The brand covers its windows with a limited lifetime warranty that includes the following:

Broken glass
Materials
Necessary labor, parts, and repairs
Screen repair
Seal failure
Waste removal

Installation Services

Champion handles installation with its professional, in-house team, so you won’t have to hire an outside contractor to install your windows. According to Champion’s website, its installation crew completes most window installs in one day.

Window Types and Materials

Champion makes aluminum and vinyl windows in the following styles:

Awning
Basement hopper
Bay and bow
Casement
Double-hung
Garden
Glass block
Picture
Sliding
Specialty shapes

Window Nation

Best Wood Windows

4.3

Window Nation is another brand that can help you install new windows without having a ton of savings ready to spend. Like Champion, Window Nation offers 0% interest, no money down, and no payments for 24 months. The company also offers discounts, such as a buy-two, get-two deal.

How We Scored Window Nation

We awarded Window Nation 3.9 out of 5 stars. Here’s how it rated in key categories:

Services and benefits (3.3 out of 5 stars): Window Nation earned most points in this category, but we deducted a few for its lack of availability at home improvement retailers and not having maintenance education on its site.
Warranty (5 out of 5 stars): The brand earned full points here for offering comprehensive warranty coverage.
BBB and Google rating (3.7 out of 5 stars): We deducted points for the company not having BBB accreditation.
Customer service (5 out of 5 stars): Window Nation got full points for its easily accessible service request process.
Window features (5 out of 5 stars): The brand’s customization option and low-emissivity (low-e) window coatings earned it full points in this category.
Window line offerings (2.5 out of 5 stars): Window Nation lost points for not having a luxury window line in addition to its standard offerings.
Window variety: (4 out of 5 stars): The company earned most points in this category for its varied window styles.

Pros and Cons

Pros Advertises generous discounts Custom-makes each window Uses Energy Glass on all windows Cons Is only licensed in six states Isn’t rated on BBB Doesn’t make some popular window styles, such as single-hung or awning

Price and Warranty

One user said they were quoted $13,000 for nine double-hung windows, one double slider, and one triple slider. Another said they paid $26,000 for 26 windows in the 5300 series.

Window Nation provides a limited lifetime warranty on all of its windows.

Installation Services

Window Nation handles installation in-house. Its website says its local installation teams have an average of 15 years of experience.

Window Types and Materials

The brand makes vinyl and wood windows in the following styles:

Basement hopper
Bay and bow
Casement
Double-hung
Garden
Sliding
Specialty shapes

What Are My Other Options for Financing Window Replacement?

Smaller, local companies are more likely to offer 0% financing to drive business and allow homeowners to purchase new windows when money is tight. Check your area for any companies with flexible financing options.

If you’re having trouble finding a no-down-payment or 0% interest financing program that works for you, here are some of the most common ways people fund their window project:

Cash-out refinancing: This is an option if you’ve built up equity in your home. Refinancing means you’ll have a bigger mortgage than what you owe on your house, but you’ll get the difference in cash to use for your window installation.
Credit cards: Some people split costs across two or three credit cards. Only go this route if you’re confident you can make the monthly payments without incurring high interest fees or damaging your credit score.
Home equity line of credit (HELOC): HELOCs allow you to borrow against your home’s equity and typically come with low interest rates.
Home equity loan: This loan also borrows against your home’s equity, but it’s a lump sum of cash rather than a line of credit.
Personal loan: Talk to your bank or several banks about options for a personal loan with low interest.

Benefits of Financing Your Window Project

Ideally, everybody could skip the hassle and pay cash upfront. However, many window buyers have to finance their replacement in some capacity since most windows cost anywhere from a few hundred to a few thousand dollars. There are some benefits to financing, such as the following:

Monthly payments: Your financing program will likely arrange for you to make monthly payments rather than supply any large sums of cash. This makes funding your windows more manageable and prevents you from dipping into your savings to cover costs.
Quicker comfort and energy efficiency: Financing your windows instead of waiting until you’ve saved up the money means you’ll more quickly be able to improve your home’s comfort, energy efficiency, and value.
Tax benefits: The sooner you buy your windows, the sooner you can access valuable tax benefits. The Inflation Reduction Act of 2022 gives you a federal income tax credit for upgrading to energy-efficient windows, which can save you up to $3,200 on your taxes.

What Should I Look For in a Good Replacement Window?

You can save money on windows without sacrificing window quality. Look for the following when shopping around:

Durability and longevity: Invest in windows that last. A good window will last around 30 years. Look for high-quality materials and construction. Fiberglass and composite windows are known for their durability, but cost-effective vinyl windows can also go the distance.
Energy efficiency: We argue that energy efficiency is the biggest factor to avoid skimping on. Energy-efficient windows make your home more comfortable and can significantly lower your energy bills. Look for the Energy Star certification label.
Warranty coverage: Don’t buy windows without a manufacturer’s warranty. Get a labor warranty for installation. Many window companies offer limited or lifetime warranties on their products. Carefully review coverage details before committing.
Weather resistance: If you live in an area with extreme weather conditions or frequent storms, look at the Energy Star label to see which climates a window is best suited for.

We’ve rated some of the industry’s most popular window companies based on these and other factors. Not getting a check doesn’t mean the brand’s windows lack that quality but that it’s not its strength.

Brand	Affordability	Energy Efficiency	Durability	Warranty Coverage	Aesthetics
Castle	✔	✔	✔	✔	✘
Milgard	✔	✔	✔	✔	✘
Champion	✔	✔	✔	✘	✘
Marvin	✔	✔	✔	✘	✔
Harvey	✔	✔	✔	✘	✘
Pella	✘	✔	✔	✘	✘
Renewal by Andersen	✘	✔	✔	✔	✔

Our Conclusion

It’s challenging to find national window companies with 0% financing options. Champion and Window Nation are good places to start if they’re available in your area. However, you may want to try your luck at the local level. Local window companies may also be more willing to help you get a deal and financing terms you can work with.

Don’t choose a company based on payment options alone. Research brands’ product performance, customer service, warranty coverage, and reputation before committing. Always look at customer reviews and get a free quote to compare pricing. Shop around until you find what works best for you.

FAQ About Window Financing

Can I finance new windows with bad credit?

You’re subject to credit approval when financing windows. Some companies may be more lenient than others if you have bad credit, but you’ll likely need a credit score of at least 600 to qualify for financing programs.

Do you want to pay for new windows with a credit card?

Paying for new windows with a credit card allows you to purchase windows without a lump sum of savings built up, but you have to be careful not to exceed your credit limit and to make monthly payments on time to avoid damaging your credit score. This isn’t a good option if you’re not confident you can manage it.

Can you pay for new windows monthly?

Yes, you can pay for new windows monthly if you get a loan. Most window companies offer monthly payment plans.

Is it a good idea to finance windows?

It can be advantageous to finance your windows if you can manage the financing terms responsibly. Financing allows you to improve your home’s comfort, energy efficiency, and property value quicker than waiting until you can pay in full upfront.

Our Rating Methodology

The This Old House Reviews Team backs up our window ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, browsing product selections, analyzing window line specifications, and conducting focus groups and consumer surveys. We then score each provider against our review standards for window variety, value, trustworthiness and transparency, window features, and customer service to arrive at a final score on a 5-point rating scale.

To share feedback or ask a question about this article, send a note to our Reviews Team at [email protected].