Homeowner Financing is now turned ON automatically for contractor accounts in both the U.S. and Canada - no setup required to start offering financing on estimates.
If you'd prefer not to offer financing, you can turn it OFF in two places:
At the account level under Settings > Homeowner Financing ("Show Homeowner Financing option on all new estimates")
On an individual basis using the "Show Homeowner Financing" toggle while editing a specific estimate.