Hearth Financing
Comfort
Now.
Flexible Payments.
HVAC financing options through Hearth
If approved, review the available financing terms and select the option that works for you.
Make Your HVAC Investment Easier
Get the Comfort You Need Without Paying Everything Upfront
A new HVAC system is an important investment in your home. Whether you need a new air conditioner, furnace, heat pump, or complete HVAC system, financing can give you more flexibility in how you pay.
Air Conditioning
Replace an aging or failing AC system and stay comfortable through the summer.
Heating
Upgrade your furnace or heating system before the next cold spell.
Complete HVAC Systems
Finance a larger heating and cooling project with available payment options.
How it works
Financing Your HVAC Project Is Simple
Get Your HVAC Estimate
We’ll evaluate your system and recommend the right solution for your home.
Apply Through Hearth
If financing is right for you, we’ll help you get started with the Hearth application.
Choose Your Option
Review the financing options available to you and choose the one that fits your budget.
Don't Let an Unexpected HVAC Failure Wait
Financing options can give you another way to move forward with the HVAC solution your home needs.
Hearth financing may be available for qualifying HVAC repairs, replacements, and installations, including air conditioners, furnaces, and heat pumps. Available financing options vary based on the project, lender, and your individual qualifications.
Click the financing button on this page to complete Hearth’s short online pre-qualification form. You can review personalized payment options before deciding whether to move forward.
No. Hearth states that its pre-qualification process uses a soft credit pull that does not affect your credit score. If you choose to move forward with a loan offer, the lender may perform a hard credit inquiry as part of the final approval process.
Hearth’s lending network offers financing options from $1,000 to $250,000, with terms ranging from 2 to 12 years, depending on the lender, loan type, and your qualifications. Your available options will be shown during the pre-qualification process.
No. Pre-qualification allows you to review available financing options without committing to a loan. If you choose to move forward, you select an offer and complete the lender’s application and approval process.
Financing Disclaimer: Financing is subject to credit approval. Hearth is a technology company that is licensed as a broker as may be required by state law. Hearth does not make loans or make credit decisions. Annual Percentage Rates (APRs), introductory rates, terms, interest rates, loan amounts, and fees are provided by Hearth’s lending partners and are subject to lender approval and individual qualifications. Pre-qualification uses a soft credit inquiry and does not affect your credit score; a hard credit inquiry may be required by the lender when you apply for a loan. Not all applicants will qualify for financing. Please review the terms provided by the lender before accepting any financing offer.
Comfort You Can Count On
Whether you’re replacing an aging air conditioner, upgrading your furnace, or installing a new heat pump, our team is here to make the process simple from start to finish.
With flexible financing options available through Hearth, you can explore ways to manage the cost of your HVAC project while working with a team you can trust.