Home Improvement Loans Designed For Homeowners With Bad Credit
If banks turn you down, ACE is built for you. Fast approvals. No rental traps. You own your upgrade.
“After getting rejected by two banks, I had basically given up on replacing our old furnace. ACE not only approved me, they made the process painless. Our home is finally warm, and I’m making affordable monthly payments I can actually manage.”
Sarah M., Hamilton, ON
“No games, no long wait times, ACE said yes when everyone else said no. I was honestly in tears when the approval came through. My kids finally have reliable air conditioning in the summer.
Rachael F., London, ON
“I’m self-employed with credit issues, and every other company treated me like I didn’t deserve a loan. ACE didn’t judge, they just helped. I got my new water heater installed the same week and I finally feel back in control.”
Devon J., Mississauga, ON
“What I loved most is that ACE didn’t make me feel embarrassed about my credit score. They looked at me as a homeowner trying to make things better. And now I’ve started rebuilding my credit, too.”
Samir A., Windsor, ON
“We needed a new heat pump, but the bank wouldn't touch us because of some past missed payments. ACE came through, and now we’re more energy efficient and actually saving money every month.”
Natalie & Chris T., Barrie, ON
Ace Equipment Funding
Approves credit-challenged homeowners others turn away
True ownership from day one, no renting, no gimmicks
Fully open loans: repay early, penalty-free
100% transparent terms, no hidden fees
Fast approvals and funding so projects don’t get delayed
Respectful, judgment-free process every step of the way
Supportive approach: no harsh collections
Centered on your comfort, not corporate profits
Ongoing partnership with trusted vendors you can rely on
Most Others
Deny homeowners for past credit issues or low scores
Push rental or lease programs where you never own the equipment
Lock customers into long, high-cost contracts with buyout penalties
Bury hidden fees in fine print
Treat people like files, not families
Use aggressive collection tactics that add stress
Focus on maximizing their profit, not your comfort
Leave customers stranded without service once paperwork is signed
Flexible Funding That Works For You
Why Choose ACE?
We Specialize in Helping Homeowners Rebuild Their Credit
If your credit history includes setbacks, missed payments, or financial hardship, you’re not alone—and you're exactly who we’re here to help. ACE works with Canadians who’ve been declined elsewhere to fund vital home improvement projects with dignity and respect.
Up To $35,000
for essential home upgrades
12-year Terms
fully open, repay anytime
Same Day Approvals
no waiting, no hassle
Friendly, Confidential Support
no judgment
You Own It
no rental contracts or gotchas
Our Mission
We exist to give deserving homeowners real options - not just more rejections
What Can You Finance?
Furnaces &
HVAC systems
Central air
conditioners
Hot water tanks and water heaters
Water filtration or softener systems
Air purification
systems
Smart thermostats, generators, solar panels, energy star windows, and automation devices
Have Questions? Get in Touch
Phone: 1-800-2-GET-ACE
Email: support@acefunding.ca