Offering financing makes it easier for homeowners to say yes to bigger jobs. In SetSale, you can add your lender's installment plans and promotional loans directly into the system so that financing options show up automatically on every quote.
This article covers how to set up your financing plans — either by entering them manually or by uploading your lender's rate sheet.
Before You Start
SetSale comes with a few example financing plans pre-loaded. These are sample data only and will produce inaccurate monthly payments on your quotes. Delete them before adding your real plans.
Where to Find Financing Settings
Click Settings in the left-hand menu.
Select Quoting.
Click the Financing tab along the top navigation bar.
Here you'll see three sections:
External Financing Link — A lender application URL shown to customers after they sign a quote.
Standard Installments — Traditional loan plans with a set term, interest rate, and dealer fee.
Promotional Loans — Special offers like "no interest, no payments" for a limited term.
Adding an External Financing Link
If your lender has an online application, you can add that link here so customers are directed to it right after checkout.
In the External financing link section, enter the full URL of your lender's application page in the Lender application link field.
Click Save.
This link will appear on the confirmation page after a homeowner signs a quote, making it easy for them to start the financing application immediately.
Adding Standard Installment Plans
Standard installments are your typical loan options — a set term length, interest rate, and dealer fee. You can add these one at a time or upload a full rate sheet from your lender.
Option 1: Add a Plan Manually
In the Standard Installments section, click + Add Installment Plan.
From the dropdown, select Add manually.
Enter the plan details:
Lender — The name of your financing company.
Term — The loan length in months (e.g., 60, 84, 120).
Rate — The interest rate for the customer (e.g., 12.99%).
Fee — The dealer fee your lender charges you for this plan. This is not charged to the customer — SetSale automatically builds it into your job pricing so you stay profitable on financed jobs.
Min/Max Size — The minimum and maximum loan amounts allowed for this plan.
Click Save.
Repeat this for each plan you want to offer.
Option 2: Import from a Rate Sheet
If your lender provides a rate sheet (spreadsheet), you can upload it instead of entering plans one by one.
In the Standard Installments section, click + Add Installment Plan.
From the dropdown, select Import from sheet.
Upload your lender's rate sheet file.
SetSale will read the sheet and populate your installment plans automatically.
Review the imported plans to make sure everything looks correct, then save.
Adding Promotional Loans
Promotional loans are special financing offers — things like "no interest, no payments for 6 months" or "no interest with minimum payments." These can be a strong selling tool for higher-ticket jobs.
In the Promotional Loans section, click + Add Promotional Loan.
Enter the plan details:
Lender — The name of your financing company.
Term — The promotional period in months (e.g., 6, 12, 18).
Type — The kind of promotion (e.g., No Interest No Payments, No Interest With Min Payments, Equal Payment).
Fee — The dealer fee for this promotional plan.
Min/Max Size — The minimum and maximum loan amounts for this plan.
Click Save.
How Dealer Fees Work
The Fee column on every financing plan represents what your lender charges you — not the customer. SetSale automatically factors this fee into the price of any financed job, so your margins are protected regardless of which plan a customer chooses.
For example, if a plan has a 7.25% dealer fee, SetSale adjusts the quoted price upward to cover that cost. The customer sees a clean price and monthly payment — they don't see the fee breakdown.
How Financing Updates When You Edit a Quote
When you create a new quote, SetSale calculates and aligns financing options to match the initial quote total, using our optimized financing logic. This gives your team recommended options that fit the deal from the start. If you later change quote values, you can update the financing options manually when needed, but they are not recalculated automatically after every change.
Tips
💡 Keep your options manageable. Four or five financing plans is usually plenty. Too many choices can overwhelm your technicians and customers.
💡 Delete the sample plans. The default plans that come with SetSale are examples only. Remove them and replace them with your actual lender rates to avoid inaccurate monthly payments on quotes.
💡 Double-check imported rate sheets. After uploading a rate sheet, review the plans SetSale created to confirm the terms, rates, and fees match your lender's documentation.
💡 Update plans when your lender changes rates. If your financing company adjusts their rates or fees, remember to update your plans in SetSale so your quotes stay accurate.