--- title: "Financing | Flexible Payment Options | PB Stretch Ceilings" description: "Explore flexible financing options for qualifying stretch ceiling, starlight, and lighting projects up to $250,000. Estimate your monthly payment." lang: en json-ld: --- [![Palm Beach Stretch Ceilings logo](/assets/logo-white-BYXtuIUl.png)](/) [Home](/)ResidentialCommercial[Service Areas](/#service-areas)[Guides](/guides)[Financing](/financing)[Contact](/contact) [Pay Over Time](/financing) [Call (561) 290-6848 ](tel:561-290-6848) ![Luxury stretch ceiling with integrated cove lighting](/assets/hero-architectural-ceiling-B8TqPayC.jpg) Flexible Payment Options # Bring Your Ceiling Design to Life. Pay Over Time. Flexible financing is available for qualifying residential and commercial stretch ceiling projects — from individual room installations to large projects up to $250,000. 0% APR promotional options may be available for qualifying applicants, subject to lender approval. [Estimate Your Monthly Payment](#payment-calculator)[View Application Options](#apply) ### Fast Prequalification Prequalification checks typically take just minutes with participating lenders. ### Secure Applications Applications are handled by trusted third-party lenders, not by PB Stretch Ceilings. ### Projects up to $250,000 From single-room installations to full commercial and hospitality projects. ### 0% APR May Be Available Promotional 0% APR options may be available for qualifying applicants, subject to lender approval. Payment Calculator ## Estimate Your Monthly Payment Move the sliders to see an illustrative monthly payment. Terms up to 180 months (15 years) may be available. 0% APR promotional offers may be available for qualifying applicants. Actual rates, terms, and approval are determined by the lender. Project Amount$15,000 $2,000 $250,000 Term 48 months 24 mo36 mo48 mo60 mo84 mo120 mo180 mo Estimated Monthly Payment $380/ mo Illustrative estimate at 9.99% APR. Not an offer of credit. Actual terms and rates are set by the lender and depend on creditworthiness. Apply ## Choose the Right Option for Your Project ### Projects up to $25,000 Fast prequalification for single-room, home theater, starlight, and lighting upgrades. Applications are processed through Wisetack. Prequalify — Soft Credit Pull Checking your options takes about 60 seconds and will not affect your credit score . [Prequalify with Wisetack](https://wisetack.us/#/j4pvpxa/prequalify) Soft pull · No impact to credit · Subject to lender approval ### Projects up to $250,000 For larger residential renovations, hospitality, retail, showroom, and commercial installations. Applications are processed through Hearth. Prequalify — Soft Credit Pull Checking your options through Hearth takes about 60 seconds and will not affect your credit score . [Prequalify with Hearth](https://app.gethearth.com/partners/pb-stretch-ceilings---lighting-design/michael/apply) Soft pull · No impact to credit · Subject to lender approval ## Good to Know PB Stretch Ceilings is not a lender. Financing is provided by independent third-party lenders. All applications, approvals, rates, and terms are determined solely by the lender based on your creditworthiness. The payment calculator on this page is provided for illustrative purposes only and does not constitute an offer of credit or a guarantee of any particular monthly payment, rate, or approval. Some lenders may offer a soft credit check for prequalification. Whether an application affects your credit score depends on the specific lender and application type; please review the lender's disclosures before applying. Questions about your project? [Request a Consultation](/contact)[(561) 290-6848](tel:561-290-6848) [![Palm Beach Stretch Ceilings](/assets/logo-white-BYXtuIUl.png)](/) Architectural stretch ceiling design & installation across South Florida and nationwide. [](https://www.instagram.com/pb_stretchceilings)[](https://www.tiktok.com/@pbstretchcealings) 01 — Navigate ### Quick Links - [Home ](/) - [Our Services ](/stretch-ceiling-installation#types) - [Color & Finish Chart ](/stretch-ceiling-installation#colors) - [Guides ](/guides) - [Contact ](/contact) 02 — Services ### What We Do - [Matte Stretch Ceilings](/stretch-ceiling-installation#types) - [Gloss & Mirror Ceilings](/stretch-ceiling-installation#types) - [Luminous Backlit Ceilings](/stretch-ceiling-installation#types) - [Starlight Ceilings](/stretch-ceiling-installation#types) - [Custom Printed Ceilings](/stretch-ceiling-installation#types) 03 — Contact ### Get in Touch - [(561) 290-6848](tel:561-290-6848) - [sales@pbstretchceilings.com](mailto:sales@pbstretchceilings.com) - Serving Florida & All 50 States © 2026 Palm Beach Stretch Ceilings — Luxury Installation in South Florida [Privacy Policy](/privacy-policy)