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Financing

Financing for Your Arizona Shutter Project

Do the whole house now instead of two windows at a time. Financing through Regions Bank means a $20,000 whole-home shutter project can run about $244 a month — and you can PreQualify with a soft credit pull that doesn't affect your credit score.

Book a Free Consultation PreQualify — No Credit Impact

Family-owned since 2002 · Three Valley showrooms · Financing through Regions Bank, Member FDIC

See What You Qualify For Without Touching Your Credit Score

Most homeowners don't know this exists. Regions' PreQualify uses a soft credit pull, which does not affect your credit score. You find out where you stand first, then decide whether to move into a full application.

  • Takes a few minutes
  • Soft pull — no impact on your score
  • Rolls straight into the full application if you want to continue
  • Available online, or your designer can run it on a tablet at your kitchen table

PreQualify Now

Prefer the phone? Call Regions at (888) 736-6511 with Contractor ID 123219.

Two Ways to Pay

Door 1 — "I'll pay it off this year."

12 Months Same As Cash

No monthly payments and no interest for a full year.

Nothing due for twelve months. Pay the balance in full within 365 days of first disbursement and you pay no interest at all.

  • Loan amounts $1,000–$100,000
  • No payments during the same-as-cash period
  • If the balance isn't cleared in 365 days, a 19.99% fixed APR applies and the balance converts to a fixed-rate installment loan over 24–132 months

Right for you if: you have the money coming — a bonus, a home sale, a tax refund — and want the project done now.

Apply — Loan Code DEL2625

Door 2 — "I want a low monthly payment."

9.99% Fixed, Low Monthly Payment

One rate for everyone approved. Pick your term.

Not "as low as." 9.99% fixed — the rate doesn't move based on your credit profile.

TermMonthly paymentLoan amounts
7 years $16.95 per $1,000 $3,500–$100,000
10 years $13.49 per $1,000 $7,500–$100,000
12 years $12.20 per $1,000 $10,000–$100,000

Right for you if: you'd rather budget one steady payment than race a deadline. For most whole-home projects this is the honest pick.

Apply — 7yr (DEL2675)Apply — 10yr (DEL2676)Apply — 12yr (DEL2677)

Every application also works by phone: (888) 736-6511, Contractor ID 123219, plus the loan code above.

What a Project Actually Costs Per Month

7 years$339.00/mo

9.99% fixed APR

10 years$269.80/mo

9.99% fixed APR

12 years$244.00/mo

9.99% fixed APR

Estimates only - Regions Bank determines your exact payment after approval. Minimum monthly payment $50.00. Loan amounts up to $100,000.
See the full example table
Project7 years10 years12 years
$5,000 $84.75——
$10,000 $169.50$134.90$122.00
$15,000 $254.25$202.35$183.00
$20,000 $339.00$269.80$244.00
$30,000 $508.50$404.70$366.00
$50,000 $847.50$674.50$610.00

At 9.99% fixed. Dashes are project sizes below that term's minimum loan amount. Estimates only — Regions determines your exact payment after approval.

Smaller Projects and Maximum Flexibility

If your project is under $3,500, or you want an unusual term, there's a traditional installment loan with terms from 12 to 144 months and loan amounts starting at $1,000. The rate on this one is credit-dependent — from 8.99% to 24.49% fixed — so for most homeowners the 9.99% fixed options above are the better deal. Your designer will compare them honestly.

Ask your designer about loan code DEL2622 at your consultation.

Why Arizona Homeowners Finance

The whole house costs less than the house in pieces.

Staging room by room means repeat measure appointments, repeat installs, repeat production runs — plus two years of mismatched windows while product lines and dye lots shift underneath you. Financing lets you do it once, correctly, matched.

Your west-facing glass is costing you money right now.

Arizona sun fades flooring, damages furniture, and drives your cooling bill. Every month you wait on the windows that need it most is another month of that. A payment plan moves the fix forward; it doesn't move the heat.

Shutters are a fixture, not a purchase.

Polymer shutters last as long as anything else in the home and ask for nothing but occasional dusting. You're financing a permanent improvement that stays with the house when you sell — which is exactly why it holds its value.

What's Covered

The full project cost — product, measurement, and professional installation. Not just the shutters.

  • Custom plantation shutters (2.5", 3.5", 4.5" louvers)
  • Blinds, roller shades, roman shades, cellular shades, zebra shades
  • Motorization, Lutron, and smart-home integration
  • Drapery and soft treatments
  • Professional measurement and installation

Financing Questions

Will checking my options hurt my credit?

No. Regions' PreQualify uses a soft credit pull, which does not affect your credit score. Only the full application involves a hard inquiry - and by then you already know where you stand.

Are there really no payments for twelve months on the same-as-cash plan?

Correct - no monthly payments and no interest during the same-as-cash period. Interest is waived entirely if the loan is repaid in full within 365 days of first disbursement.

What happens if I don't pay off the same-as-cash loan in time?

A 19.99% fixed APR applies and the balance becomes a fixed-rate installment loan over 24 to 132 months. If no payments were made during the same-as-cash period, monthly payments run from $21.99 to $30.82 per $1,000 borrowed depending on term. Note the date and set a reminder two months ahead.

Is 9.99% really the rate, or does it depend on my credit?

On the 7, 10, and 12-year loans, 9.99% is a fixed rate - it doesn't vary with your credit profile. The separate traditional installment loan is the credit-dependent one, ranging from 8.99% to 24.49%.

Which option is actually cheapest?

If you clear a same-as-cash balance within the year, that plan costs nothing in interest and wins outright. If there's real doubt you will, 9.99% fixed over a term you're comfortable with almost certainly costs less than 19.99%. Be honest with yourself about which kind of payer you are - your designer will run both.

Can I pay it off early?

Yes, on every plan.

How much can I finance?

Between $1,000 and $100,000, depending on the plan. Minimums vary: $1,000 for same-as-cash, $3,500 for the 7-year, $7,500 for the 10-year, $10,000 for the 12-year.

Is there a minimum monthly payment?

Yes - never less than $50.

Do I need to apply before my appointment?

No, though PreQualifying ahead is worth the few minutes. It's a soft pull, and you'll know what you're working with before your designer arrives.

Is there a down payment?

Standard practice is a deposit at order and the balance at completion. Your designer will show exactly how your deposit and your loan work together on your specific order.

Can I finance part of the project and pay cash for the rest?

Yes. Many homeowners do exactly that.

Which Arizona cities does this cover?

Every home we serve in the Valley - Phoenix, Scottsdale, Gilbert, Mesa, Chandler, Peoria, Glendale, Tempe, Queen Creek, Surprise, Goodyear, Ahwatukee, Paradise Valley, Fountain Hills and Sun City.

Start With the Real Number

You can't choose a payment plan until you know what you're paying for. Free in-home estimate, exact pricing on every window, no obligation.

Book a Free Consultation 602-755-3925 — talk to a designer

Financing through Regions Bank, Member FDIC. Rates effective as of June 2026 and subject to change.

Credit and loans provided by Regions Bank, Member FDIC (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. All loans subject to qualification, required documentation and credit approval.

12-Month Same-As-Cash (DEL2625): 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of June 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.

9.99% APR Loans (DEL2675 / DEL2676 / DEL2677): 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 84 months (DEL2675), 120 months (DEL2676), or 144 months (DEL2677). Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 84 monthly payments of $16.95, 120 monthly payments of $13.49, or 144 monthly payments of $12.20 per $1,000 borrowed respectively. The minimum monthly payment will be no less than $50.00.

Traditional Installment Loan (DEL2622): 8.99% to 24.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $11.49 to $30.27 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.

Monthly payment calculations provided here are estimates only. Regions Bank will determine the exact loan payment amount after loan approval. The accuracy of these calculations is not guaranteed nor is its applicability to your individual circumstances. For some loan types, the monthly payment may change depending upon when funds are disbursed to your contractor, among other factors. You should always obtain financial advice from qualified professionals.

Southwest Blinds & Shutters is not a lender and does not make credit decisions. ©2026 Regions Bank. All Rights Reserved. Regions and the Regions logo are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.