Ask Us About Getting Prequalified Today!
Affordable Monthly Payments for Your Project!
Foundation Finance Company (FFC) is a leading provider of home improvement financing nationwide. They allow us to offer you the project you want while making low monthly payments over time.
- No Application Fees
- No Prepayment Penalties
- Perfect Credit Not Required
Foundation Finance Company LLC (FFC) provides financing through authorized third-party dealers, which are independent entities and not corporate affiliates or subsidiaries of FFC. All credit products are subject to credit approval. Rates, terms, conditions, and promotional programs may vary by dealer and are subject to change without notice.
© 2025 Foundation Finance Company LLC. All rights reserved. NMLS # 916914.
How to Get Started:
1. Get Prequalified
A soft credit pull allows you to check your financing eligibility without affecting your credit score.*
2. Discuss Options
If prequalified, we will discuss terms, along with any special promotions that may be available.
3. Complete Contract Documents
We will send you the necessary paperwork to sign.
4. Talk with FFC
After signing documents, Foundation Finance may call you within 24 hours to verify your info and terms.
5. Make Monthly Payments
Once the project is complete, you can easily pay your monthly bill online, by mail or over the phone.
*Upon receipt of a completed credit application and executed contract documents, a hard inquiry (which may affect your credit score) will appear on your credit report.
Spire Energy Insulation Financing
Insulation Financing: Finance Up to $5,000
More than half of the energy used for winter heating is lost from homes through uninsulated walls, floors, ceilings, and attics. Insulating these areas is a fast, effective way to create significant energy savings in winter and summer.
Insulation creates a barrier of air between warm and cold areas in your home, keeping heat inside during the winter. In the summer, attic insulation helps make cooling your home easier with less wasted energy.
Insulation financing is available to Spire residential customers only.
Important: Purchases and installations financed under this program must be arranged through Spire-authorized contractors doing business in Spire's Missouri service territories. For a list of current authorized contractors or questions about the program, contact Spire's Energy Efficiency Team at EnergyEfficiency@SpireEnergy.com.

Financing Details
- Interest Rate: 3%
- Financing Amount: Up to $5,000 per home, for up to four homes
- Eligibility: Open to credit-qualified customers
- Maximum Loan: $20,000 total across four dwellings
Qualifications for Insulation Financing
Eligible home energy conservation improvements must include, where feasible, an increase in attic/ceiling insulation to a minimum of R-38.
Eligible Improvements:
- Attic, floor, wall, and duct insulation
- Duct sealing
- Attic ventilation
- Caulking and weather-stripping
- Storm doors and storm windows






