Home Improvement Financing in Virginia Beach, VA
Build now, pay over time—Excellence with every build
Make your project possible with flexible payment options via our partner, HFS Financial. Simple application, fast decisions, and predictable monthly payments.
* Applies to pre-qualification checks. A full application may include a hard inquiry; see FAQ.
Financing Options (Examples)
Sample structures shown for clarity. Final APRs, fees, and eligibility are set by HFS Financial.
Promotional Plan
Fixed-Term Plan
Revolving Line of Credit
*Examples only. Final terms, APRs, fees, and eligibility are provided by HFS Financial after review.
How Financing Works
Request Options
Tell us your project scope, budget, and timeline. We’ll help you get started with HFS Financial.
Apply Securely
Complete a quick online application with HFS Financial. Typical decisions are fast.
Approve & Schedule
After approval, we finalize scope and schedule your project with your chosen plan.
Pay Over Time
Make simple monthly payments to the lender while we deliver the build.
Why Homeowners Finance with Lara Contracting
Budget Friendly
Break large projects into manageable monthly payments while preserving cash.
Transparent Options
Clear terms before you sign. Compare promotional and fixed plans side-by-side.
Local Experts
Virginia Beach team with permitting know-how and quality craftsmanship.
Lara Contracting is not a lender. Financing is offered by HFS Financial, an independent third-party.
Basic Eligibility
Exact criteria depend on the lender. These are typical requirements.
Homeowners
- U.S. resident, age 18+
- Government-issued ID
- Minimum stated income (varies by lender)
- Credit review by lender
Businesses
- Entity in good standing
- EIN and business address
- Owner guarantor may be required
- Financials as requested
Projects
- Clear scope and cost
- Located in our service area
- Compliance with local codes
- Signed agreement with Lara Contracting
Financing for Projects Across Hampton Roads
We provide financing assistance for remodeling, roofing, siding, additions, and more.
Explore our home improvement services to see what we can build for you.
Financing FAQ
Will applying affect my credit?
Pre-qualification: soft check, no impact to your credit score. Full application: may require a hard inquiry by the lender.
Are there prepayment penalties?
Many programs allow early payoff without penalties, but this depends on the lender and plan. We’ll confirm in writing with your selected option.
How fast is approval?
Typical decisions are fast once a completed application is submitted, but timelines vary by lender and applicant information.
Ask About Financing
Prefer to talk first? Reach out and we’ll help you pick the right option.