When you're planning a home improvement project, the focus should be on the exciting result—the bone-dry basement or the perfectly graded yard—not on the stress of how to pay for it.
At Idaho Drainage Solutions, we've partnered with Watercress Financial because they do things differently than traditional banks. They specialize entirely in home improvement, meaning they understand that a drainage project isn't just a transaction; it's an investment in your home.
1. Check Your Rate Without Hurting Your Credit
This is the biggest question we get. Watercress uses a "Soft Pull" technology to pre-qualify you. You can see exactly how much you can borrow and what your monthly payment would be without affecting your credit score. A hard credit inquiry only happens if you choose to sign the loan agreement.
2. Low Monthly Payments (Up to 15 Years)
Big projects don't have to mean big monthly bills. Watercress offers terms up to 15 years (180 months).
Example: A $15,000 project that might cost you $400/month on a credit card could be significantly less with a long-term installment loan. This keeps your monthly budget comfortable while letting you get the work done right now when it matters most.
3. It Protects Your Credit Card Limits
Putting a large project on a credit card can max out your limit, which can hurt your credit score due to high utilization. A personal home improvement loan is treated differently. It leaves your credit cards open for day-to-day needs and emergencies.
4. Instant Answers
Because they are a tech-forward lender, you don't wait days for an answer. We can typically get you a decision in seconds, right from your mobile device or while we are discussing the project options with you.
5. High Approval Odds: The "Waterfall" Feature
We love Watercress because they work hard to say "Yes." Their "Second-Look Waterfall" technology means if one lender can't approve you (perhaps due to a credit blip), the system automatically routes your application to a network of other lenders instantly—giving you multiple chances for approval without filling out new forms.
Ready to Get Started?
Ask your estimator about financing options during your free consultation. We can help you run a soft credit check in minutes and see what rates you qualify for.
Stop the Water Damage.
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Check My AvailabilityFrequently Asked Questions
Does applying affect my credit score?
Checking your rates uses a 'soft pull' which does NOT affect your score. A hard inquiry only appears if you proceed with a loan.
Can I pay the loan off early?
Yes! There are zero prepayment penalties. You can pay off the balance at any time to save on interest.
Do you offer 0% financing?
Yes, we have plans that offer promotional periods with no interest if paid within the term. Ask us for details on current offers.