Renovation Financing — Pay Monthly | GSR Basements × Financeit

Why Finance With Us

A simple, flexible way to build sooner.

⚡

Approved in Minutes

Quick online application through Financeit with a fast decision — often the same day. No waiting days for a response from the bank.

🔒

No Credit Score Impact

Checking your rate is a soft check. Your score is untouched unless you choose to move forward with a loan.

📅

Fixed Monthly Payments

A predictable payment for the life of the loan — no rate changes, no surprises, no balloon payments.

✅

No Prepayment Penalty

Every loan we set up is open — pay it off early whenever you like, with no extra fees or charges.

💰

Up to $100,000

Financing covers everything from a personal basement to a full legal second unit — one application, one monthly payment.

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Trusted Canadian Lender

Financeit has been a go-to home-improvement financing platform in Canada for over a decade. Transparent terms, clear agreements.

Our Financing Partner

Financing
Partner

Don't let upfront cost stop you from building.

We're a proud Financeit partner — Canada's leading home-improvement lender. Pre-approval in minutes, terms up to 240 months, and loans up to $100,000 to cover any project — subject to credit approval.

20 yr

longest term available

$100K

maximum loan

Fast

pre-approval

Typical Payments

Starting monthly payments — every project is different.

Personal Basement

Flexible term, subject to approval · typical project $40K–$90K+ plus HST

$565

/month from

Legal Second Unit

Tenant rent can offset payments · typical project $50K–$95K+ plus HST

$705

/month from

Starting monthly figures are rough estimates for illustration only. Final pricing and payment are confirmed after a site visit and Financeit approval, and depend on your project quote, loan term, and credit profile.

How It Works

Approved in minutes, building in days.

Get Your Quote

We give you a fixed-price quote for your project after a free site visit — no guesswork. That's the exact amount we structure your financing around.

Check Your Rate

Apply through Financeit in minutes. It's a soft check with no impact on your credit score to see your options — a hard check only happens if you choose to move forward.

Start Building

Once approved and you e-sign, Financeit pays us directly. We lock your start date and get to work. You pay over time on a fixed monthly plan — never out of pocket upfront.

Common Questions

Financing questions, answered.

Will checking my rate affect my credit score?+

No. Getting pre-qualified through Financeit is a soft check that doesn't impact your credit score. A hard check only happens if you choose to move forward with a loan.

How fast is approval?+

Most applicants get a decision in minutes. Once approved, funds are arranged quickly so we can start your project on schedule.

Is there a penalty for paying it off early?+

No prepayment penalty. Every loan we set up is open — you can pay it off in full at any time without extra fees.

What's the maximum I can borrow?+

Financeit offers home-improvement loans up to $100,000 — easily enough to cover everything from a personal basement refresh to a full legal second unit build.

Can my tenant's rent cover the payments?+

For legal second units, yes — many homeowners use their rental income to help cover the monthly payment. Most GTA units rent for $1,500–$2,000/month.

How do I apply?+

We don't post our dedicated Financeit application link publicly. Start by requesting a free fixed quote — once we've scoped your project and you're ready to proceed, we'll send you our application link directly. Pre-approval takes minutes.

Is Financeit a reputable lender?+

Yes. Financeit is one of Canada's leading home-improvement lenders, with thousands of merchant partners across the country and a decade-plus track record. All loan terms are transparent and fully disclosed before you sign.

Financing disclosure: All financing is provided by Financeit, subject to credit approval. 0% promotional interest is available on qualifying projects for up to 24 months; standard rates and amortization terms apply to plans beyond the promotional period or for projects that do not qualify for promo pricing. All starting monthly figures shown on this page are rough estimates for illustrative purposes only and are subject to change based on your final approved fixed quote, term length, and credit profile. Actual monthly payment, APR, and total cost of credit will be disclosed in your Financeit loan agreement prior to e-signature. Financeit is not affiliated with Golden Star Renovation Inc. beyond its role as our financing partner.

Start now.
Pay over time.
From $565/mo.