The HERO financing program makes energy-efficient home improvements a reality.

How The Hero Program Works For You

If you live in a city that’s adopted the HERO Program you may be eligible. HERO offers more consumers access to energy efficient options because it’s an assessment on your property. Approvals are primarily based on the equity in your home rather than your credit score.

Once a homeowner is approved, and upgrades have been made, they begin to pay back their financing amount through their property taxes, and the interest on these payments may be tax deductible*. Homeowners don’t have to make any upfront payments when working with the HERO Program—the payments are made with their annual property tax bill and homeowners repay the full amount over time.

Competitive rates

HERO rates compare favorably to other home improvement payment options. Rates are fixed, and there’s no money down.

Approval that considers home equity

Unlike most financing options, HERO approvals are primarily based on home equity, household income, product eligibility, and debt payment history, rather than credit score.

Potential tax benefits

HERO financing is repaid through an additional line item on your property taxes. The interest on these payments may be tax deductible.*

*Please consult your tax advisor to determine if you may be eligible for tax benefits.

Unsecured financing with fast funding and low dealer fees.

Benji offers competitive rates, flexible terms, and instant decisions.

Special financing options—no interest, no payment options for up to 18 months.1

For projects between $2,000-$50,000.2

Almost every type of project qualifies.

1 No payments are required during the promotional period following project completion. Thereafter, substantially equal monthly payments are required for the remainder of the financing term until the unpaid balance of the amount financed is paid in full. Interest will accrue during the promotional period, but will be waived if the amount financed is paid in full prior to the expiration of the promotional period. Special financing options may be offered by participating contractors. Not available in some states.

2 Subject to credit approval.