Financing & Payment Options
Premier Gutters KC accepts cash, check, and all major credit cards (Visa, Mastercard, Discover, American Express). For projects over $3,000, we recommend third-party financing through Hearth or GreenSky — both offer 0% intro APR options to qualified buyers.
Direct payment
| Method | Notes |
|---|---|
| Cash | Accepted on completion. No fees. |
| Personal check | Accepted on completion. Made out to "Premier Gutters KC, LLC". |
| Visa / Mastercard / Discover / Amex | Accepted. No surcharge for cards. |
| Apple Pay / Google Pay | Accepted via mobile reader. |
| Bank transfer / ACH | Available for larger commercial projects. |
Third-party financing (projects $3K+)
For larger projects, third-party home-improvement financing can spread the cost into manageable monthly payments. We don't run our own financing program — you apply directly with the lender, and we never see your credit information. Two reputable options:
- Hearth — soft credit check that won't affect your score, instant approval, terms from 24 to 84 months. Often qualifies for 0% APR intro periods.
- GreenSky — contractor-direct financing widely used for home improvement. Promotional 0% APR options available.
Both lenders pay us directly upon project completion, so financing doesn't change the project timeline at all.
Insurance claims
If your project is a hail-damage or storm-damage insurance claim, your homeowner's policy typically pays directly — you only pay your deductible out of pocket. We can bill the insurance company directly in most cases. More on KC storm damage claims →
Project deposits
For projects under $2,000, no deposit is required. Pay on completion. For projects $2,000-$10,000, we collect a 25% deposit at signing. For commercial projects over $10,000, custom payment schedules are negotiated.
No high-pressure financing pitch
Some contractors push financing aggressively because they earn commission from the lender. Premier doesn't — we never see a dollar from your financing. Pay however works best for you.