Published: April 17, 2026
Key Points:
Whether you are dealing with property damage or trying to make your renovation dreams a reality, the cost of a home project can be overwhelming. But it’s important to address water damage, fire-related smoke and soot, and mold as soon as possible, and your home improvement goals shouldn’t have to be put off, either.
As the Cache Valley’s leading provider of 24/7 emergency restoration services, Sierra Restoration knows families and business owners deserve simple financing options. We proudly partner with GreenSky®, a trusted home-improvement financing company that helps property owners spread payments and manage costs on their own terms.*
Not every consumer financing plan is the same, and it’s important to consider your options carefully before making a decision. Here, we’ll walk you through what you need to know, key plan considerations, and the flexible plans that GreenSky® offers.
Most homeowners understand that consumer financing helps them pay for a desired service over a particular time period. But there are additional benefits to financing home restoration or renovation work.
The advantages of financing your restoration project go beyond avoiding upfront costs. By choosing a plan that works for you, you’ll have predictable monthly payments you can save and plan for ahead of time. Opt for self-pay online if you prefer not to use insurance, or get started with your project immediately while you wait for insurance funds to be released.
By beginning restoration as soon as possible, your contractors will mitigate damage before it can worsen into a larger problem. This can look like salvaging personal belongings in a flooded basement, removing soot and smoke from kitchen walls and ceilings, or completely eliminating mold and mold spores from your bathroom.
Rather than choose the minimum repairs that insurance covers, you can upgrade building materials, finishes, and fixtures with certain consumer financing companies, getting the improvements you’ve always wanted.
While restoration focuses on damage recovery, renovation includes improvements and upgrades. When financing a home renovation or remodeling project, you get the same benefits: Begin your project without delay and spread your payments over time.
In addition to making payments on a timeline that works for you, financing lets you keep your emergency fund for expenses down the road rather than spend it all on renovations and then start saving from scratch.
Insurance typically does not cover renovation projects, but with financing, there’s no need to delay the project’s start. Also, renovation or remodeling work can potentially increase your home value—a major benefit if you intend to sell your property someday.
Once you choose to finance your property restoration or renovation project, it’s time to decide which financing plan best suits your needs. The GreenSky® loan program includes two flexible plan options for Sierra Restoration customers:
No pre-payment penalty.
| Plan # | APR | Promo / Term | Example Project Cost & Payments |
|---|---|---|---|
| 1519 | 11.99% | 180 Months |
Example Project Cost
$5k – 180 monthly payments of $59.98
$10k – 180 monthly payments of $119.95
$15k – 180 monthly payments of $179.93
$20k – 180 monthly payments of $239.90
|
With no pre-payment penalty, this plan includes an Annual Percentage Rate (APR) of 11.99% and a promo period of 180 months. Here’s how much you would spend on your restoration project over that time:
Interest is billed during the promo period but will be waived if the amount financed is paid in full before the promo period expires.
| Plan # | APR | Promo / Term | Example Project Cost & Payments |
|---|---|---|---|
| 1519 | 11.99% | 180 Months |
Example Project Cost
$5k – 180 monthly payments of $59.98
$10k – 180 monthly payments of $119.95
$15k – 180 monthly payments of $179.93
$20k – 180 monthly payments of $239.90
|
While interest is billed during the promo period, it’s waived if the amount financed is paid in full before the promo period ends. The APR ranges from 17.99% to 24.99%, with a 12-month promo period. After the promo period, here’s how much you’ll pay over 24 monthly payments:
When deciding on a plan, consider the loan term lengths, interest rates, any fees, and whether you can pay off your project early without penalty, if that is something you plan to do. You can always contact a GreenSky® representative if you have questions about your options.
After choosing a plan, you’re ready to start the application process. GreenSky® makes it easy®:
From loan timelines to coordinating with your insurance claim, here are answers to some of the most common questions homeowners have when financing a restoration or renovation project with GreenSky®:
GreenSky® Program loans are unsecured installment loans with APRs that become fixed once the loan enters its amortization period. An unsecured installment loan is a type of credit that doesn’t require collateral and is repaid through regular, scheduled payments over a set period. The amortization period is the timeframe during which you make monthly payments, pay down both the principal (the amount you borrowed) and the interest until the loan is fully repaid.
Working with a GreenSky® Merchant, qualified applicants can use loans to pay for their renovation or restoration project. Sierra Restoration offers a comprehensive range of services, including storm damage restoration, mold remediation, home repair services, and more.
Yes. Many homeowners choose to use GreenSky® alongside their insurance claim. Financing can help cover upgrades or change orders not included in your insurance estimate, like upgraded cabinetry, countertops, or fixtures. It can also help keep your project moving faster by allowing you to start work immediately and make payments while waiting for insurance funds to be released.
Qualified applicants receive a credit decision within seconds. Once approved, they receive a GreenSky® account number and a loan agreement to review. Financing through GreenSky® offers a streamlined process to start your project as quickly as possible.
Since 2010, Sierra Restoration has delivered rapid-response water damage restoration, professional fire damage cleanup, and comprehensive mold remediation for homes and businesses across Logan, Utah, and surrounding areas. Our trusted team understands the stress and costs associated with property damage and home renovation projects. Our partnership with GreenSky® allows us to offer flexible consumer financing for both restoration and renovation work.
We provide services in:
Sierra Restoration is an IICRC-Certified firm, meaning our team follows the professional standards set by the Institute of Inspection, Cleaning, and Restoration Certification. We apply our motto to every job: “Restoring dreams one home at a time – with value, quality, and timeliness in mind.”
Schedule your emergency appointment with Sierra Restoration at 435-915-7549.
*Subject to credit approval. Interest is billed during the promotional period but all interest is waived if the purchase balance is paid in full before the expiration of the promotional period. See reverse for terms and conditions, FAQs, and contact information.
1 Plan 1519. Subject to credit approval. Loan term is 180 months at fixed rate of 11.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 11.99% APR, 180 monthly payments of $12.00. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms.
2 Plan 2611. Subject to credit approval. Rates range from 17.99% – 24.99% APR. Only well-qualified applicants will receive an APR of 17.99%; some applicants may not qualify. Loan amount and rate will vary based on your income and creditworthiness. 12 month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are required during the Promo Period, but making only the required monthly payments will not pay off the amount financed by Promo Period expiration date. Any unpaid balance and amounts owed after Promo Period will be paid over 24 monthly payments. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 24.99% APR, 36 monthly payments of $39.76. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms.
GreenSky® program consumer loans are made by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. GreenSky Servicing, LLC (“GSS”, NMLS #1416362, www.nmlsconsumeraccess.org)is a financial technology company that manages the Greensky® program by supporting originations and servicing the loans on behalf of banks and other financial institutions that make or hold program loans. Greensky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with the GreenSky® program. GreenSky LLC and GSS are not lenders. All credit decisions and loan terms are determined by program lenders.
If you have a question or would like to request a free estimate, please contact us using the form below.
If this is an emergency, please call (435) 563-4007 for 24/7 service.
