Garage Designs of St. Louis
0% APR available
Your new garage, starting at 0% APR.
Finance a full garage remodel/renovation, an epoxy floor or a wall of cabinets through Affirm. 0% APR is the lowest rate Affirm offers and it goes to buyers who qualify. Checking your options takes a minute and does not affect your credit score.
Serving the St. Louis metro from Fenton, MO. Call 314-308-7780. Rates from 0-36% APR, subject to eligibility.
An illustration, not an offer of credit. Affirm sets your actual rate and term based on your credit and your project total, and shows you both before you accept anything. The 15% figure is the example rate Affirm publishes in its own disclosures.
Choosing to pay over time is simple
Look for the Affirm option on your Garage Designs estimate or invoice, then split the cost into a monthly plan.
How financing works here
STEP 01
Get your free estimate
We measure your garage, talk through what you want, and send a written estimate with your total project price. No cost, no obligation.
STEP 02
Choose Affirm on the estimate
Your estimate arrives with an Affirm option built in. Click Get started, answer a few questions, and see the real rate you qualify for.
STEP 03
Approve it and we build
Pick your plan, approve the estimate, and we schedule your install. You pay Affirm monthly while you enjoy the finished garage.
Eligible work
What you can put on a payment plan
Complete garage remodels
Flooring, cabinets, walls and lighting handled together as one project and one payment. See garage remodeling.
Epoxy and polyaspartic floors
Full coating systems, including surface prep, base coat, flake broadcast and topcoat. See epoxy flooring.
Cabinets and storage
Custom cabinet runs, workbenches, overhead racks and slatwall fitted as one package. See custom cabinets and overhead storage.
Add-ons and upgrades
Extras like lighting, epoxy stairs or a second bay added to an existing scope of work. See slatwall systems.
Why homeowners use it
Four things worth knowing
Your house stays out of it
Affirm is a personal loan, not a home equity line. No lien is placed against your home.
Looking costs you nothing
Seeing your options is a soft check. Your score is not affected unless you accept a plan.
The total is shown up front
Affirm shows every payment before you agree. No late fees and no hidden charges.
Do the whole garage at once
Finish floor, cabinets and lighting in one visit instead of spreading it over three years.
At 0% APR
What a 0% plan costs per month
At 0% APR you repay exactly what the project costs and nothing more. These are the monthly figures for buyers who qualify at Affirm’s lowest rate.
| Project total | 12 months | 24 months | 36 months |
|---|---|---|---|
| $5,000 | $417 | $208 | $139 |
| $10,000 | $833 | $417 | $278 |
| $15,000 | $1,250 | $625 | $417 |
| $20,000 | $1,667 | $833 | $556 |
Example only. Not an offer of credit. 0% APR depends on your credit and the plan you qualify for, and Affirm’s published rates run from 0% to 36% APR. Your amount, term and rate are determined by Affirm when you apply through your estimate.
Straight answers
Financing questions
How do I get the 0% rate?
0% APR is the lowest rate Affirm offers and it is awarded based on your credit and the plan you qualify for. Request a free estimate, choose the Affirm option on it, and Affirm will show you the exact rate you have been approved for before you commit to anything.
Is 0% guaranteed for everyone?
No. Affirm publishes its rates as 0% to 36% APR based on credit, and the decision is theirs, not ours. Some buyers are approved at 0% and others are approved at a rate inside that range. You always see your number before you accept.
Do I apply for financing on this website?
No. Financing is offered through your estimate or invoice, not through a form on this page. Request a free estimate and the Affirm option will be on the document we send you.
Will checking my options hurt my credit score?
No. Affirm runs a soft credit check to show your options, which does not affect your score. A score impact only becomes possible once you accept a plan.
How long do I have to pay it off?
Terms depend on your project total and what Affirm approves. A longer term lowers the monthly payment. If you are paying interest, a longer term also raises the total, which the estimator at the top of this page shows in real numbers.
Do I need to put money down?
Affirm may ask for a down payment depending on your project total and your credit. You will see that requirement clearly before you accept a plan.
Is there a penalty for paying it off early?
No. You can pay the balance off ahead of schedule without a prepayment penalty.
Can I finance a commercial job?
No. Affirm loans are for personal, family or household use, which means residential projects only. For shop, warehouse or fleet floors, call 314-308-7780 and we will discuss terms directly.
See what you qualify for
Tell us what you want the garage to be and we will price it at no cost. Your estimate arrives with Affirm payment options already attached, so you find out your real rate before you decide anything.
Rates from 0-36% APR. For example, a $1,000 purchase might cost $90.26/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. Loan payment(s), including interest, may be due before the merchant provides all services. You may not receive a rebate of any interest that may have already accrued on an amount that later gets refunded. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm and its lending partners do business in accordance with federal Fair Lending laws. Unless prompted for a registered business name at application, Affirm loans are primarily for personal, family, or household use only.