Buy now. Pay later.
Ready to start your project? Get financing through Santa's Lights. Apply and turn your home vision into reality.
- Flexible easy payment options that fit your budget
- Special promotional programs & rates available
- Quick and simple application process
How Our Solutions Work for You
- 100% Financing, No Money Down
- Apply in Minutes — Fully Digital
- Easy Soft Credit Pre-Approval
- Receive Instant Approval
- No Early Payment Penalty
- Unsecured Low Monthly Payments
Financing is available on lighting projects of $1,000 or more, with terms from 12 months up to multi-year plans. Special promotional programs and rates available — subject to credit approval.
How To Get Started Today
Easy Apply
Start with a quote and we'll send your application link. Every loan program starts with a soft credit check.
View Offers
Easy apply with instant approval. Compare terms and pick the flexible payment option that fits your budget.
Project Funding
Pay for your project over time with no pre-payment penalties for early payoff.
What your monthly payment could look like.
Representative examples on our 0% APR promotional 12 and 18 month terms. Your actual payment is based on your final quote and the offer you select.
No early payment penalty. Soft credit pre-approval. Subject to credit approval.
Frequently Asked Questions
Why should I use your Consumer Credit Center?+
We offer multiple promotional financing options designed to fit your budget — including 0% APR promotional plans on qualifying projects. Instead of paying cash upfront, you can spread payments over time with rates that are typically much lower than a credit card, keeping more money in your pocket for other priorities.
Where can I use my loan?+
Your home improvement loan can be used to pay for the products and services offered through Santa's Lights on your lighting project — Christmas light installation, permanent smart lighting, bistro and patio lighting, commercial installs, and event lighting.
How do I pay my contractor?+
It's simple. With unsecured lending options we request payments by sending a text message to the phone number you provided during your application. The message includes details about the payment and instructions on how to approve or decline it. Once you approve a payment, that amount is added to your loan balance and sent directly to us. If you are obtaining a secured or personal loan, you pay us directly per your contract.
How does this impact my credit score?+
When you fill out an application and view available loan offers, the platform uses a soft pull of credit that will not impact your credit score. If you select an offer to move forward with, a hard pull of credit is run, which may have a small impact on your credit score.
Get started today.
Build a quote in about 60 seconds and see your flexible payment options before you commit. Soft credit pre-approval, instant approval, no money down.