TURNS Financing financing

TURNS Financing Services finds other lenders when a first application isn't approved.

TURNS Financing

Type: Second-look financing
TURNS Financing website

Who TURNS Financing is

TURNS is an Atlanta-based second-look financing platform. When a homeowner isn't approved by a primary lender, TURNS sends the application to a network of other lenders to look for an approval.

TURNS isn't a single lender. The company that approves you is named in your documents, and its terms are the ones that apply.

What you get

Depends on the lender that approves you. Options in the TURNS network range from installment loans, including fixed-term and deferred-interest plans, to lease-to-own programs that don't require a traditional credit history.

How it works with Chief Electric

  1. We build your written quote
  2. If a primary lender declines, we offer to run the application through TURNS
  3. TURNS looks for an approval across its network of lenders
  4. You review the offer and the named lender's agreement
  5. We do the work once you sign
  6. You pay the lender named in your agreement

Before you sign

  • Second-look and lease-to-own options often cost more than prime financing. Compare the total cost in your agreement.
  • With a lease-to-own option, you don't own the item until it is paid off or bought out.
  • Read who your lender is. It isn't TURNS and it isn't Chief Electric.

Paying after the job

Payments go to the lender named in your agreement, not to Chief Electric or TURNS. Your agreement explains how to pay.

Projects to ask about

TURNS Financing questions

What is second-look financing?

Another chance at approval with a different lender after a first lender says no.

Is TURNS my lender?

No. TURNS finds the lender. The lender that approves you is named in your agreement.

Does it cost more?

It can. Second-look and lease-to-own options often cost more than prime financing, so read the total cost before you sign.

Other lenders we work with

All financing is subject to credit approval by the lender. Chief Electric is not a lender and does not make credit decisions. Rates, terms and availability are set by TURNS Financing and its lending partners and can change; your loan, card or lease agreement controls. TURNS Financing is a trademark of its owner. Chief Electric is an independent contractor.