Financing

The Hayes Company accepts all major credit cards.

We will extend commercial credit accounts to qualified businesses.

Hayes also has financing specifically for homeowners through UMB Bank's Home Improvement Indirect Financing Program.

The highlights of this program are as follows:

• Quick Approval Process
• No Deed of Trust or Mortage required for amounts under $10,000
• 1st Monthly Payment will be 60 days from completion of work
• All loans are serviced by UMB Bank

Details:

• Minimum loan amount $1500.00
• Minimum monthly payment of $75.00
• Interest Rates:
  

  Term:	Fixed Rate:
  12-84 months	7.50% APR
  85-120 months	9.50% APR
  121-180 months*	10.50% APR

For Loans Greater than $10,000, information required for good faith estimate and settlement statement includes:

• Flood determination fee $13.88
• Applicable filing and recording fees or mortgage tax depending on state
• Title policy or appraisal if required