Why Finance?

Financing home improvements is often overlooked, but it can be highly beneficial. Home improvement loans allow homeowners to make repairs and upgrades that increase property value without having to wait and save, which can prevent further damage and higher costs.

Benefits of Financing Home Improvements:

  • Affordable Payments: Instead of a large, upfront cost, financing breaks expenses into manageable monthly payments, making high project costs more feasible.
  • More Possibilities: Lower monthly payments mean homeowners can consider higher-quality upgrades rather than compromising due to cost.
  • Preserve Savings: Financing helps keep savings intact, allowing homeowners to maintain their interest-bearing accounts rather than depleting them for renovations.

By choosing financing, homeowners can tackle projects without financial strain, turning dream improvements into reality.


See your personalized monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity required.

Hearth makes it easy for you to find monthly payment options for your project, with:

  • Loan amounts up to $250,000
  • Affordable monthly payment options
  • Funding within 1-3 days
  • No prepayment penalties
  • No home equity required

Find convenient monthly payment options for your project. See your personalized payment plans without affecting your credit score now.