Current Financing Specials — Apply Now!

Jump start your backyard project!

We work with lenders in the Home Services industry to bring you options that suit your financial situation, whether that’s short-term financing or a longer-term loan with convenient monthly payments and competitive interest rates. Review our financing options below, and contact us with questions. The links below will take you away from the site to our financing providers.

No payments & no interest for 18 months

Upon Approved Credit — Limited Time Offer ends OCTOBER 17^TH
Choose 10% Off Your Project or 18-Month Financing

If a balance remains after 18 months, interest begins at 12.99% with an 84-month repayment term, and the first required monthly payment is due in month 19.

Cannot be combined with the current 10% off projects offer. Available On Approved credit, interest charged after 19 months, first payment after 18 months

FIRST SECURITY CREDIT APPLICATION

HOW IT WORKS

18-month period begins when the project is completed and the loan is funded.
No payments or interest during those 18 months.
Customers may make payments toward the balance during that period.
Pay the balance in full within 18 months and no interest is charged.
If a balance remains, interest begins at 12.99%, with the first required payment due in month 19.

What amount is interest charged on?

The remaining unpaid balance. If a customer finances $10,000 and pays $6,000 during the first 18 months, $4,000 remains.

Is interest added for the first 18 months?

The program states that interest starts after 18 months; it does not describe retroactive interest for that period.

What is the monthly payment after 18 months?

The payment factor is $18.19 per $1,000 financed. A $10,000 loan has an estimated payment of $181.87. The bank confirms the actual payment and the effect of any early payments.

Who can apply?

Applicants must be homeowners. The listed minimum credit score is 640. Approval and loan amounts are determined by the lender.

Subject to credit approval. No payments and no interest for 18 months. The 18-month period begins when the project is completed and the loan is funded. If a balance remains after 18 months, interest begins at 12.99% and the first required monthly payment is due in month 19. Financing offer cannot be combined with the 10% project discount. Additional terms and conditions apply; the customer’s loan agreement controls.

6.99% for 120 months OAC

120 equal payments at
$11.62 per $1000 borrowed.*

FIRST SECURITY CREDIT APPLICATION

*No prepayment penalties. Finance period does not start until your project is complete. Additional terms and rates available, contact your Rick’s sales rep for current specials and up to date options. Last updated 10/01/26.

0% INTEREST FOR 12 MONTHS!

Upon Approved Credit — Limited Time Offer ends OCTOBER 17^TH

Revolving

Line of credit — use it over and over.

Convenient

Monthly payments to fit your budget.

Easy-to-Use

Online account and payment options.

WELLS FARGO CREDIT APPLICATION

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. A monthly principal payment of 3.5% of the balance or $40.00 whichever is greater is due. No interest if invoice total is paid off before the finance period expires. No prepayment penalties. The no interest grace period does not start until your project is complete.

*The Wells Fargo Outdoor Solutions card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 4/30/26 and is subject to change. For current information, call us at 1-800-431-5921.

Subject to credit approval. Once an application is submitted and credit is approved or declined, you will work with the lender directly regarding statements, payments, and terms & conditions. Rick’s does not facilitate any financing in house.