BUILD NOW - PAY LATER

Your dream project shouldn't wait because of budget timing. Many homeowners choose to finance their projects to keep their savings reserved for other priorities.

That's why we partner with Hearth Financing: to give you flexible financing options that make your project possible now and on terms that work for your budget. Don't let timing stand between you and the home you deserve.

How It Works

Get Pre-Qualified
(Takes 2 Minutes)

Fill out a quick form. See your payment options instantly. Zero impact on your credit score.

Choose Your
Payment Plan

Pick the monthly payment that fits your budget. Options from $1,000 to $100,000+.
Terms from 2-12 years.

Get Approved
& Funded Fast

Most approvals happen in minutes. Funds hit your account in as little as 24 hours. Start your project immediately.

Why Homeowners Love Hearth

Total Transparency

Know exactly what you qualify for upfront without worrying about any unknown fees or surprises.

Best Rate Guaranteed

Submit one application and over 12 lenders compete for your business.
You choose the best rate.

Credit Flexibility

FICO scores as low as 550 are accepted, and checking your rate won't impact your credit.

Get Started Today

Get approved in minutes. Funding available in as little as in 24-48 hours so your project doesn't have to wait.

Numbers
You Can Count On

Loans from: $1,000 - $100,000+
Terms: 2 to 12 years
Rates starting at: 4.9% APR*
Credit scores: As low as 550
0% intro APR options available†
Example: A $20,000 project at 8.5% APR over 5 years = $411/month

Zero Dealer Fees

Financing costs aren’t passed onto you. Your quoted price is your project price.

Ready To See Your Options?

Find out what you qualify for in about 2 minutes.
No commitment. No credit score impact.

Get Prequalified Now

Want to Talk To Us First?

Have questions? Want to discuss your project before exploring financing?
We're here to help.

Schedule FREE Consultation

*All loan information is presented without warranty. APRs range from 4.9% to 35.99% depending on creditworthiness. Example: A $10,000 loan at 14.50% APR over 36 months = $344.21/month. Only borrowers with excellent credit qualify for lowest rates. All loans subject to credit review and approval.

†0% intro APR credit cards available for qualified applicants. Terms typically 6-18 months.

Hearth is a technology company licensed as a broker. Hearth does not make loans or credit decisions. Lending partners provide all financing options.