Flexible Payment Options
Make your dream affordable
Don't let budget hold back your renovation. Flexible financing with 0% interest available, so you can enjoy your new space today.
0% Interest AvailableQuick ApprovalNo Hidden Fees
Payment Plans
Choose your financing
Popular01
0% APR Credit Cards
6-18 Months
Introductory 0% APR credit cards through Hearth. No interest if paid within the promotional period.
- 0% intro APR for 6-18 months
- No interest if paid in full
- Multiple card options available
- Check rate with no credit impact
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Personal Loans
2-12 Years
Personal home improvement loans from $1,000 to $100,000 with competitive fixed rates.
- APRs as low as 4.99%
- Borrow $1,000-$100,000
- Terms from 2-12 years
- No prepayment penalties
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Flexible Approval
FICO 550+
We work with 18+ lending partners to find options for various credit profiles.
- FICO scores 550+ accepted
- 18 lending partners
- Quick 24-hour approval
- No dealer fees
Monthly Estimates
Estimate your payment
Use these examples to estimate your monthly payment. Actual rates and terms may vary based on creditworthiness and project details.
$10,000 Project
12 months @ 0% APR
~$834/mo
$25,000 Project
36 months @ 8.99% APR
~$794/mo
$50,000 Project
60 months @ 7.99% APR
~$1,014/mo
* Payment examples are for illustration only. Actual payments may vary based on credit approval, loan amount, and term. Subject to credit approval.
Why finance your project?
Preserve Cash Flow
Keep your savings for emergencies while improving your home.
Do It Right the First Time
Get the full renovation you want rather than cutting corners.
Increase Home Value
A new roof typically returns 60-70% of its cost at resale and increases curb appeal.
Protect Your Home Now
Don't wait for leaks or damage. Protect your home today with quality exterior work.
Why Choose Us
Financing made simple
Quick Approval
Get approved in minutes with our streamlined application. Most decisions are instant.
No Hidden Fees
Transparent terms with no application fees, annual fees, or prepayment penalties.
Competitive Rates
Access financing at rates comparable to major credit cards and home improvement loans.
Flexible Terms
Choose payment terms that fit your budget, from 6 months to 5 years.
Simple Process
How it works
01
Get Your Quote
Schedule a consultation and receive a detailed project estimate.
02
Choose Your Plan
Select the financing option that fits your budget and goals.
03
Quick Application
Complete a simple application with instant approval in most cases.
04
Start Your Project
Once approved, we begin transforming your space right away.
Common Questions
Financing FAQ
How do I apply for financing?
Click "Check Your Rate" to apply through Hearth. The application takes about 5 minutes and you'll see multiple loan options instantly. Checking your rate has no impact on your credit score. Once you choose an option, complete the lender's application for final approval—often within 24 hours.
What credit score do I need?
Hearth works with 18+ lending partners to serve a wide range of credit profiles. Options are available for FICO scores as low as 550. While excellent credit qualifies for the best rates (as low as 4.99% APR), we have options for good and fair credit as well.
Can I pay off my balance early?
Yes! All of our financing options have no prepayment penalties. You can pay off your balance early at any time without additional fees, potentially saving on interest.
What is the minimum project size for financing?
Personal loans through Hearth start at $1,000 and go up to $100,000. The 0% APR promotional credit cards are available for various project sizes.
How does the 0% APR option work?
The 0% APR credit cards offer introductory promotional periods of 6-18 months. If you pay the full balance before the promotional period ends, you pay no interest at all. After the intro period, the standard APR applies to any remaining balance.
Who are your financing partners?
We primarily partner with Hearth, which connects you to 18+ established lending partners. Hearth is a technology company that makes it easy to compare multiple loan offers in one place. We also work with GreenSky and Synchrony for additional options.
Are there any fees?
No dealer fees are charged to homeowners when financing through our partners. The loan terms, including any origination fees, are clearly disclosed by the lender before you accept an offer.
How quickly can I get approved?
With Hearth, you can check your rate and see multiple loan options in just minutes with no credit impact. Once you select a lender and complete their application, final approval often comes within 24 hours, and funds can be disbursed quickly after that.
Get Started
Check your rate in minutes
See your financing options with no impact to your credit score. Compare offers from 18+ lenders and find the perfect payment plan for your project.
No credit impact to check your rate • 18+ lending partners • Approval in as fast as 24 hours