Why Finance With Us?
We've partnered with Hearth to give you access to multiple lenders competing for your business — so you get the best rate possible.
Quick Approval
Apply online in minutes. Most homeowners get a decision fast — no long waits, no hassle.
Competitive Rates
Multiple lender options means competitive APRs. Hearth shops rates for you so you get the best deal available.
Flexible Terms
Choose the monthly payment that fits your budget with terms ranging from 12 to 144 months.
No Impact on Credit to Check
See your pre-qualified options with a soft credit check. Your credit score is not affected until you choose a loan.
Low Monthly Payments
Break a large project into manageable monthly payments. Protect your savings while still getting the work done right.
Simple Process
No mountains of paperwork. Apply online, pick your terms, and get funded — we handle the rest.
How It Works
Get Your Estimate
We inspect your property and provide a detailed, no-obligation estimate with transparent line-item pricing.
Apply Online
Click the link below to apply through Hearth. It takes just a few minutes and a soft credit check shows your options.
Choose Your Plan
Review multiple loan options from competing lenders. Pick the rate and monthly payment that works for your budget.
We Get to Work
Once approved, we schedule your project and get started. You pay comfortable monthly installments instead of one lump sum.
Sample Monthly Payments
Here's what common projects look like with financing. Your actual rate depends on credit profile and term length.
*Estimated payments based on typical loan terms. Actual payment depends on approved APR, loan amount, and term length. Subject to credit approval.
Financing Questions
Is there a minimum or maximum loan amount?
Hearth offers financing from $1,000 up to $100,000, depending on your credit profile and the lender.
Will applying hurt my credit score?
No. The initial pre-qualification uses a soft credit pull that does not affect your score. A hard pull only happens if you choose to move forward with a specific loan offer.
Can I pay off the loan early?
Yes. There are no prepayment penalties. You can pay off your balance at any time without extra fees.
What if I also have an insurance claim?
Financing and insurance can work together. If your insurance covers part of the project, you can finance the remaining balance — like your deductible or upgrades not covered by the claim.
What credit score do I need?
Hearth works with multiple lenders, so there are options for a range of credit profiles. The best rates go to higher scores, but approval is possible even with less-than-perfect credit.
How long does approval take?
Most applicants see pre-qualified offers within minutes of submitting the online application.