Question 1

Can I apply with poor credit?

Accepted Answer

Absolutely. ACE was built for real homeowners — not perfect credit scores. If traditional lenders have turned you away, we’re the lender that looks beyond the usual checklist. Poor credit alone won’t disqualify you — we specialize in approvals that others overlook.

Question 2

Will I be approved?

Accepted Answer

If you’re a homeowner and others have said no, we’re likely your best shot at getting approved. ACE focuses on real-world situations — not just what’s on paper. We’ve built our process to approve borrowers that traditional lenders ignore.

Question 3

Do you offer open loans?

Accepted Answer

Yes. All ACE loans are fully open and can be paid off at any time — without penalty, fees, or fine print.

Question 4

What can I finance?

Accepted Answer

ACE funds a wide range of essential home upgrades, especially those that improve your home’s comfort, energy efficiency, or air quality. Commonly financed projects include: Heating and cooling systems, water heaters, whole-home water filtration or softener systems, air purifiers, Energy Star-rated windows, backup generators, solar panels, and battery storage systems. If the upgrade is fixed to your home and designed to make it healthier, safer, or more efficient, there's a strong chance we can help fund it.

Question 5

What happens if I miss a payment?

Accepted Answer

If you ever run into trouble making a payment, reach out to us right away. Our customer care team will work with you to find a solution. We want you to succeed — not fall behind.

Question 6

How fast is the process?

Accepted Answer

Most applications are reviewed the same day, and we pay your contractor directly once approved.

Question 7

Can ACE help improve my credit?

Accepted Answer

Yes. Every ACE loan is fully reported to Canada’s major credit bureaus, so your on-time payments can help improve your credit over time. Many of our customers see their scores climb steadily just by staying on track with their monthly payments.