Slice Home Improvement Financing

Meet Slice by FNBO

Introduction to Our Lending Partner

Slice is a national home improvement financing program powered by First National Bank of Omaha (FNBO) and offered through Sunlight Financial.

It’s designed to help homeowners fund critical upgrades like HVAC, insulation, or smart energy systems—with fixed rates, no liens, and fast approvals.

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What Slice Does for You

Finance Your Project. Save Your Cash.

With Slice, you don’t have to delay essential home upgrades or dip into your savings.

  • Fixed APRs starting at 8.99%

  • Terms up to 240 months (20 years)

  • No home equity or lien required

  • FICO scores as low as 600 accepted

  • Soft credit check – won’t impact your score

  • Covers HVAC, insulation, and roofs

  • No prepayment penalties – pay off anytime

You can get started with $0 down, lock in a fixed APR, and enjoy predictable payments that fit your monthly budget.

How Slice Works

Fast, Flexible, and Transparent

The application process is 100% online and takes just minutes. You’ll prequalify with a soft credit pull and receive your loan options instantly, no paperwork or pressure. Once approved:

  1. Select your term and rate

  2. Sign electronically

  3. Schedule your installation

  4. Make easy monthly payments while enjoying your upgraded home comfort

Whether you're upgrading your HVAC, sealing your attic, or adding smarter energy systems, Slice gives you a clear, flexible path to finance it.

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Soligo Air Florida Comfort Living Couple Sitting On The Couch

Why Use Slice

Because Comfort Shouldn’t Wait

Slice was built for real homeowners, not just perfect-credit borrowers or people with equity in their home. It’s especially great for:

  1. Homeowners with FICO scores between 600–740 who want fair, fixed-rate options

  2. Families looking to spread payments over 10–20 years for better monthly affordability

  3. Anyone who doesn’t want to use home equity or take on a lien

  4. People financing HVAC systems, attic insulation, hybrid water heaters, or air purification

  5. Homeowners who want fast, no-pressure approvals with zero credit impact

With no prepayment penalties, no home lien, and $0 down, Slice gives Florida homeowners the power to upgrade today and pay over time with peace of mind.

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Home Improvement Financing

Is Slice Right for You?

A homeowner with a FICO score between 600–740

Slice is designed for a wide credit spectrum, not just perfect scores. Whether your credit is just starting to recover or you're solidly in the 600s, Slice offers fixed-rate options that many traditional lenders won’t. You can get approved without high interest or predatory terms.

Looking for lower monthly payments with flexible loan terms

Slice offers loan terms up to 20 years (240 months), which helps stretch your budget and reduce monthly payments. This is ideal if you want to upgrade your home without putting pressure on your finances.

Replacing an HVAC system, attic insulation, or doing multiple energy upgrades

Slice is perfect for mid-size projects, typically in the $5,000 to $20,000 range. It's a smart solution for HVAC replacements, insulation installs, ductwork, smart thermostats, or bundling multiple upgrades into one low monthly payment.

Not interested in using home equity or attaching a lien

Unlike PACE or HELOCs, Slice is an unsecured loan, no lien on your home, no equity required. You qualify based on your credit, not your property's value. That means faster approvals and more flexibility for homeowners who want to keep their home equity untouched.

Tired of teaser rates and confusing payment schedules

Slice offers flat, fixed APRs—so your monthly payment is locked in from day one. No sudden increases, no hidden balloon payments. Just predictable financing that’s easy to budget and understand.

Will applying for Slice affect my credit score?

No. Prequalifying for Slice uses a soft credit check, so there’s no impact on your credit score just to see your options.

Can I use Slice for more than just HVAC System?

Yes! Slice works for attic insulation, ventilation, hybrid water heaters, EV chargers, and even bundling multiple energy upgrades into one monthly payment.

How fast can I get approved?

In most cases, homeowners are approved in under 5 minutes with an online application. We walk you through it, and there’s no obligation to move forward until you’re ready.

What if I want to pay the loan off early?

You can! Slice has no prepayment penalties, so you can pay off your loan anytime—on your timeline—with no extra fees.

Make A Difference

With Every System We Install

For every HVAC installation, Soligo Air donates $10 to help fund clean air and energy projects in underserved communities. We invite our homeowners and team members to join us in giving back, building a culture of comfort, care, and impact that goes beyond the home.

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6752 Curtis Street
Orlando, FL 32807

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© Copyright 2025. PJWD Energy LLC, DBA Soligo Air. All rights reserved. Florida License #CAC1823002

© Copyright 2025. PJWD Energy LLC, DBA Soligo Air. All rights reserved.
Florida License #CAC1823002