Flexible Financing Options
Make your dream countertops a reality with our flexible financing plans. Get pre-qualified in minutes and enjoy affordable monthly payments.
Payment Calculator
Use our financing calculator to estimate your monthly payments and explore available financing options for your countertop project.
Instant Estimates
Get real-time payment calculations based on your project cost and credit score.
No Credit Impact
Checking your rate won't affect your credit score. It's completely safe to explore options.
Flexible Options
Multiple term lengths and payment plans available to fit any budget.
Ready to get started? Use the calculator to see your options, then contact us for a free quote on your countertop project.
How Hearth Financing Works
We've partnered with Hearth to connect you with 17 trusted lenders, offering competitive financing options tailored to your needs.
17 Lending Partners
Access multiple financing options from trusted lenders to find the best rates and terms for your project.
2-Minute Pre-Qualification
Simple pre-qualification process takes less than 2 minutes and won't affect your credit score.
Personalized Options
Receive multiple loan offers tailored to your specific needs, credit profile, and project budget.
Learn About Hearth Financing
Watch this 2-minute video to see how Hearth's technology matches you with competitive monthly payment options.
Your information is protected. We use industry-leading encryption to keep your data safe and secure.
Common Financing Questions
Will filling out the prequalification form affect my credit score?
No, when you complete the prequalification form, lenders perform a "soft" credit inquiry. This allows you to compare lender offerings without affecting your credit score.
Can I pay back my loan early without penalties?
Yes, all 17 of our lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.
How soon will I get my money after my loan is approved?
You can usually expect to receive your money in as little as 1-5 business days.
What is the minimum loan amount?
In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth's lenders only make loans of $2,000 or greater.
Can I finance more or less than the exact cost of my project?
Yes, of course! Hearth's offers page will display a range of loan options, so you can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.
What is the difference between secured and unsecured loans?
An unsecured loan is not linked to a specific piece of property ("collateral") that the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, in contrast, always has some form of collateral, like a car or a house of which the lender can take possession in the event of default.
How is APR determined for prequalified offers?
Lenders look at many factors, including your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.
Will I need to verify my income?
Yes, Hearth's lending partners require that applicants provide information to prove the source of the income they state.
Need More Help?
Contact Hearth Support for assistance with your financing application:
Call (512) 399-1855Ready to Get Started?
Contact us today for a free quote and learn more about our flexible financing options.