Financing
Financing permanent lighting at 0% APR: how it works
Qualifying buyers can finance a Thraxel permanent lighting system at 0% APR for up to 24 months through our financing partner. No interest, no change to the quoted price, and the lights go up before the first payment is due. Here is the fine print, in plain English.
What 0% APR actually means here
Zero percent APR means the amount you finance is the amount you pay back. Divide the quoted system price by the number of months in the term, and that is the monthly payment. There is no interest stacked on top over the 24 months, and the price of the system is identical whether you pay cash on install day or spread it out.
The financing is offered through a third-party partner, not carried on Thraxel's books. That matters for two reasons. First, the partner runs the credit decision, so the words qualifying buyers are doing real work in that sentence. Second, the terms are the partner's terms, and the paperwork spells them out before you sign anything.
We built this in because the honest objection to permanent lighting is the up-front number. The product is cheaper over time than seasonal service, as thraxel.com/blog/five-year-cost-permanent-vs-seasonal-lights/ lays out, but the first check is bigger. Financing closes that gap without changing the math.
Who qualifies and how the decision works
Qualification is a credit decision made by the financing partner, and we do not set the threshold or see the details of your file. The application is short, the response is typically fast, and the outcome is either an approval at the promotional terms, an approval at different terms, or a decline. If the partner comes back with something other than 0% for 24 months, you are under no obligation to take it.
We bring this up during the consultation, not after the quote, so you can decide how you want to pay before the render lands. There is no pressure either way. Plenty of homeowners in Cranberry Township and Wexford write one check. Plenty of others in Kittanning and Butler prefer to keep cash in the bank and take the 24 months.
One thing we will not do is inflate the quote to cover financing costs. The price on the render is the price, and it is the same number whether the partner is involved or not.
How financing changes the monthly picture
We do not publish Thraxel prices, so we will not put a monthly payment in this post. The structure is simple enough to run yourself once your quote arrives: system price divided by 24. For a lot of Western PA homes, that payment lands in the same neighborhood as what a family already spends on a streaming bundle and a couple of takeout nights.
Compare that to seasonal lighting, where national industry estimates commonly fall between roughly $500 and $2,500 or more per season for a typical home. Your property will differ, which is why the quote is free, but spread that seasonal fee across 12 months and it often looks a lot like the permanent payment. The difference is that at the end of 24 months the payments stop and the system is yours.
Add about $52.80 a year in electricity for a typical 168-LED install running six hours a night, and you have the full ongoing cost of ownership. There is nothing else.
- Term: up to 24 months
- Interest: 0% APR for qualifying buyers
- Price impact: none, the quote does not change
- Ongoing cost after payoff: electricity only, about $52.80 a year for a typical install
When financing is the smart move
Financing at 0% is close to free money, and using it while keeping your own cash liquid is a reasonable decision for most households. It makes particular sense when the lights are going up in the fall and the holidays are about to hit the budget anyway, or when you are also paying for landscape work or a patio the same season.
It also makes sense for new homeowners who just closed and want the exterior finished but do not want to drain what is left after moving costs. The render helps here. You see the house lit before you commit to anything, and the demo case on the driveway shows the real pixels in the app. If the render sells you, financing lets you say yes now instead of next year.
And there is a real-estate angle. In our 2023 to 2025 residential tracking, permanent lighting appraised 3 to 7 percent higher on average, a directional figure and not a promise. If you are planning to stay a while, the system tends to hold its value on the house.
When you should not finance, honestly
If you are selling inside the 24-month term, think twice. The remaining balance is your obligation, not the buyer's, and while lit homes have appraised higher in our tracking, that is not a guarantee you can bank on. Pay cash or wait until you are in the next house.
If exterior work is scheduled, roof, fascia, siding, gutters, hold off on the whole system, financed or not, until it is done. Mounting track to fascia that is coming off in April is money wasted regardless of how you pay for it.
And if the partner offers terms that are not 0%, run the real cost before accepting. A financing offer with interest is a different product from the one this post is about, and you should treat it that way.
Getting started
Ask about financing at the consult, or just say so in the notes when you request a quote at thraxel.com/quote/. Tyson handles every quote personally and can walk you through the application on site. You can also call or text him at 724-859-4390. The system spec is on thraxel.com/permanent/ if you want to read up first.
One more honest note. Financing does not change the warranty, the install, or the support. Every system, however it is paid for, comes with 3 years on parts, 1 year on labor, a final walkthrough, and same-day pixel replacements in most cases when one goes out. What happens at the first visit is covered at thraxel.com/blog/what-happens-at-a-free-lighting-consultation/.
