Interior & Exterior Paint — $0 down financing
Fresh interior and exterior paint that protects and refreshes your home — with $0 down and no payments for 12–18 months.
- Licensed
- Insured
- Financing options
- $0 down
$0 down financingFlorida's intense UV and driving rain are hard on exterior surfaces; high-quality elastomeric and weather-resistant coatings protect the home as much as they refresh its look.
A fresh coat of paint is the single most visible upgrade you can make to a Florida home — but in this climate, paint is doing far more than looking good. The exterior coating on your stucco, block, wood trim, and fascia is the first line of defense against relentless UV, wind-driven rain, salt air, and the heat-and-humidity cycle that drives mildew and chalking. Inside, the right paint resists the moisture and condensation that make South Florida walls a magnet for mold. APEX Project connects Miami-Dade property owners with vetted, licensed painting contractors who prep properly and use coatings built for this environment — and we make it easy to pay for with $0 down and no payments for the first 12 to 18 months.
APEX is not a painting company and not a lender. We are an independent matching service. You tell us about your project — a full exterior repaint, a whole-home interior refresh, stucco repair and recoating, or cabinet and trim work — and we match you with a licensed, insured, background-checked contractor who works in your area and has done jobs like yours. We coordinate the financing separately so you are never stuck choosing a painter based only on who can quote the lowest cash price today.
Because painting is cosmetic, it does not qualify for property-tax PACE financing (that program is reserved by Florida law for energy, renewable, and hurricane-hardening work). Instead, APEX arranges financing through a consumer program: $0 down, no payments for the first 12 to 18 months, then predictable low monthly payments. That lets you get the protective coating on your home before the next storm season or the next round of HOA letters — without draining savings.
Why it matters in Florida
Florida is one of the harshest paint environments in the country. The UV index in Miami-Dade stays high nearly year-round, fading and chalking ordinary paint far faster than it would up north. Add daily summer downpours, wind-driven rain, salt-laden coastal air, and constant humidity, and a cheap or poorly prepped paint job can fail in just a few years — peeling, blistering, and letting moisture into the stucco or wood beneath it. That trapped moisture is where the real damage starts: it feeds mold and mildew, rots wood trim and fascia, and can accelerate stucco cracking and spalling. That is why the choice of coating matters so much here. Quality elastomeric and acrylic systems are flexible enough to bridge hairline stucco cracks and breathe out moisture while keeping wind-driven rain out — protecting the structure, not just refreshing the color. A proper exterior repaint in Florida is genuinely a maintenance and protection investment, not only an aesthetic one. For HOA-governed and deed-restricted communities common across Miami-Dade, keeping the exterior in good repair is also a compliance issue, not optional.
Why homeowners choose this
$0 down, nothing out of pocket to start
You can have your home painted — inside, outside, or both — without writing a check up front. Financing covers the project so you keep your savings intact for the season ahead.
No payments for 12 to 18 months
The consumer program defers payments for the first 12 to 18 months, so the protective coating is on your home now and the monthly cost starts later, on a schedule you plan for.
Coatings built for Florida UV and rain
Matched contractors use weather- and UV-resistant exterior systems — including elastomeric coatings for stucco — that resist fading, chalking, and the moisture intrusion that causes mold and wood rot.
Protection, not just appearance
A proper exterior repaint seals and shields stucco, block, and wood against wind-driven rain and salt air, extending the life of the surfaces underneath and helping prevent costly structural repairs later.
One vetted, licensed contractor
Every painter in the APEX network is licensed, insured, and background-checked. You get one accountable crew for prep, repair, and finish — not a rotating cast of day labor.
Faster HOA and curb-appeal compliance
For deed-restricted Miami-Dade communities, financing makes it realistic to repaint on the timeline your HOA requires, and a clean exterior measurably lifts curb appeal and resale impression.
From match to done
- 1
Tell us about your project
Share whether you want interior, exterior, or both, your home's size and surfaces (stucco, wood, block, cabinets), and any problem areas like peeling, cracking, or mildew. It takes a few minutes and there is no obligation.
- 2
Get matched with a vetted painter
APEX matches you with a licensed, insured painting contractor who serves your Miami-Dade area and has done comparable work. We confirm credentials so you don't have to chase down license numbers yourself.
- 3
On-site assessment and written scope
The contractor inspects the home, identifies prep and repair needs (stucco patching, caulking, wood replacement, mildew treatment), recommends the right coating system, and gives you a clear written scope and estimate — no surprise add-ons mid-job.
- 4
Arrange $0-down financing
If you want to finance, APEX helps you set up the consumer program: $0 down, no payments for 12 to 18 months, then low monthly payments. You review the terms before anything is signed.
- 5
Prep, paint, and walkthrough
The crew completes surface prep, repairs, priming, and finish coats, then walks the job with you so you sign off only when the work meets the agreed scope.
What's included
- Full exterior repaint (stucco, block, siding, trim, fascia, soffits)
- Whole-home or single-room interior repainting
- Stucco crack repair and elastomeric / acrylic coating systems
- Surface prep: pressure washing, scraping, sanding, caulking, mildew treatment
- Priming and spot-priming of bare or repaired surfaces
- Cabinet, door, and trim refinishing
- Wood repair or replacement of rotted trim and fascia (scope-dependent)
- Color consultation and HOA-compliant color matching
$0-down financing for your Interior & Exterior Paint
Painting is financed through APEX's consumer financing program — not PACE. PACE (Florida statute s.163.08) is limited by law to energy-efficiency, renewable-energy, and wind/hurricane-resistance improvements repaid through your property-tax bill, and cosmetic painting does not qualify. So instead, the consumer program offers $0 down, no payments for the first 12 to 18 months, and low monthly payments after that introductory period. It is a loan, not a grant and not free money — you repay the full financed amount over the term, and the deferred-payment window simply moves the start of payments later, it does not reduce what you owe. Approval is based on standard consumer-financing criteria rather than your property-tax status, and APEX is the matchmaker — we help you connect with the program and understand the terms, but we are not the lender. You will see the rate, term, and monthly amount in writing and can decline at any point before signing. One honest caveat: if your exterior project includes a genuinely reflective or insulating "cool" coating with a measurable energy benefit, a narrow energy angle could in rare cases touch a PACE-eligible product — but do not assume it; that has to be verified case by case, and standard decorative painting is firmly in the consumer-program lane.
$0
down payment
12–18 mo
no payments
Low
fixed monthly
Painting costs in Miami-Dade vary widely with home size, number of stories, surface condition, how much prep and stucco/wood repair is needed, and the coating system chosen — a one-story interior refresh is a very different number from a two-story exterior elastomeric system with significant stucco repair. As a rough, illustrative range only, exterior repaints commonly land somewhere in the low-to-mid four figures up into five figures for larger or heavily-prepped homes, and interiors scale with square footage and detail. These are general industry ranges to set expectations, not a quote — your matched contractor provides the actual written price after seeing the home.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Interior & Exterior Paint — questions
Does painting qualify for PACE financing?+
No. PACE under Florida law only covers energy-efficiency, renewable-energy, and hurricane-hardening work, and painting is cosmetic. You can still finance it through the APEX consumer program with $0 down and no payments for 12 to 18 months.
Is the $0-down financing free money or a grant?+
No. It is a consumer loan — you repay the full financed amount over the term in low monthly payments. The benefit is that you pay nothing up front and nothing for the first 12 to 18 months, but the deferral moves payments later, it doesn't erase them.
Is exterior paint really worth financing in Florida?+
In this climate it's protection as much as appearance. Quality coatings shield stucco and wood from UV, wind-driven rain, and salt air, helping prevent mold, rot, and stucco damage. With $0 down, there's little reason to delay protective recoating until failure starts.
What kind of paint should I use for a Florida exterior?+
Most Florida homes do best with high-quality acrylic or elastomeric systems. Elastomeric coatings are flexible enough to bridge hairline stucco cracks and resist wind-driven rain while letting trapped moisture escape. Your matched contractor recommends the right system for your surfaces.
How long does an exterior repaint take?+
It depends on home size, number of stories, and how much prep and repair is needed, but many single-family exteriors are completed within several days to about a week. The contractor gives you a realistic timeline in the written scope before work begins.
Will the contractor handle stucco cracks and mildew, or just paint?+
A proper job includes prep and repair — pressure washing, mildew treatment, stucco crack patching, caulking, and priming — before any finish coat. APEX matches you with contractors who do the full prep, because paint over a dirty or cracked surface fails fast in Florida.
Can the contractor match my HOA's required colors?+
Yes. For deed-restricted Miami-Dade communities, the contractor can match approved HOA color schemes and help with color consultation so the finished home passes community guidelines.
Is APEX the painting company?+
No. APEX is an independent matching service. We connect you with vetted, licensed, insured painting contractors in your area and help arrange financing. We are not a contractor, a lender, or a PACE administrator.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.