Flexible Payment Plans
Affordable Financing For Your Home Renovation
Transform your home today with flexible payment options through our partnership with Hearth. Get pre-qualified in under 2 minutes with no impact to your credit score.
Check Your Rate NowHow It Works
Simple, Fast, and Flexible Financing
Quick Approval
Check rates in less than 2 minutes. Get approved instantly and receive funds in 1–5 days.
Competitive Rates
Personal loans from 6.99% APR with loan amounts from $1,000 to $400,000 to fit any project size.
Fixed Monthly Payments
Predictable monthly payments with terms from 1 to 30 years. No prepayment penalties.
Preserve Your Equity
Keep your home equity intact with unsecured personal loans. No liens on your property.
Compare Your Options
Three Ways To Finance Your Project
One quick form checks all of them at once, with no impact to your credit until you choose an offer.
| Feature | Personal Loans | 0% Credit Cards | HELOC |
|---|---|---|---|
| Lenders / Providers | 17 lenders | Multiple | Aven |
| Min. Credit Score (FICO) | 550+ | 680+ | 620+ |
| Eligible Project Size | $1,000 to $100,000 | Up to $15,000 | Up to $400,000 |
| Funding Timeline | 1 to 3 business days | 5 to 7 business days (by mail) | 3 to 7 business days |
| Interest Rate | Starting at 6.99% | 0% APR | Starting at 6.99% |
| Term Length | 2 to 12 years | 12 to 21 months | 5 to 30 years |
| Prepayment Penalty | None | None | None |
| Dealer Fees | None | None | None |
| Best For | Most projects | Smaller jobs ($5K to $15K) | Large remodels |
Personal Loans
Best for: Most projects
- Lenders / Providers17 lenders
- Min. Credit Score (FICO)550+
- Eligible Project Size$1,000 to $100,000
- Funding Timeline1 to 3 business days
- Interest RateStarting at 6.99%
- Term Length2 to 12 years
- Prepayment PenaltyNone
- Dealer FeesNone
0% Credit Cards
Best for: Smaller jobs ($5K to $15K)
- Lenders / ProvidersMultiple
- Min. Credit Score (FICO)680+
- Eligible Project SizeUp to $15,000
- Funding Timeline5 to 7 business days (by mail)
- Interest Rate0% APR
- Term Length12 to 21 months
- Prepayment PenaltyNone
- Dealer FeesNone
HELOC
Best for: Large remodels
- Lenders / ProvidersAven
- Min. Credit Score (FICO)620+
- Eligible Project SizeUp to $400,000
- Funding Timeline3 to 7 business days
- Interest RateStarting at 6.99%
- Term Length5 to 30 years
- Prepayment PenaltyNone
- Dealer FeesNone
HELOC available in 40+ states through Aven. 0% credit cards are mailed within 5 to 7 business days and can be added to a digital wallet to use sooner. Pre-qualify in under 2 minutes with no impact to your credit score. Financing provided by third-party lenders through Hearth; not all applicants qualify.
Rates & Terms
Financing Options For Every Credit Profile
| Credit Range | Pre-Qualification Rate | Est. APR Range | Loan Amount | Loan Term |
|---|---|---|---|---|
| Excellent 850 to 741 | 89% | 7.99% to 19.07% | $1,000 to $250,000 | 2 to 12 years |
| Good 740 to 681 | 80% | 10.54% to 26.70% | $1,000 to $250,000 | 2 to 12 years |
| Average 680 to 661 | 70% | 16.85% to 34.83% | $1,000 to $100,000 | 1 to 7 years |
| Poor 660 to 550 | 58% | 20.50% to 36.99% | $1,000 to $50,000 | 1 to 5 years |
Excellent (850 to 741)
Good (740 to 681)
Average (680 to 661)
Poor (660 to 550)
Payment Calculator
Estimate Your Monthly Payment
Estimated Monthly Payment
$253
Estimate only. Your actual rate and term depend on your credit profile.
Check Your Real RateSmart Investing
Why Finance Your Renovation?
Start Your Project Now
Don't wait to create your dream home. Begin your renovation immediately while preserving your savings.
Better Than Credit Cards
Typically lower rates than credit cards with fixed payments that won't surprise you.
Increase Home Value
Invest in renovations that boost your property value while spreading costs over time.
From Real Homeowners
What Homeowners Are Saying About Hearth
"I was able to do this over the Internet in less than 30-mins. Very convenient."
, Robert
"In about two hours after applying, I was approved for a loan with Hearth. Thank you for your help!"
, Robin
"It was a great experience... there were no surprises when my credit was pulled. Thank you!"
, Tom
Our Financing Partner
About Hearth
Hearth helps homeowners make smart financial decisions about their home improvement projects. They connect homeowners to financing options that meet the needs of almost any project, and get it done quickly so you can get on with the job. With multiple lending partners and a simple online application, Hearth makes financing your renovation easier than ever.
Ready To Transform Your Home?
Take the first step toward your dream renovation. Check your rate with no impact to your credit score.
Questions about financing? Call us at (785) 893-2731
*Financing is provided by third-party lenders through Hearth, unaffiliated with HH Renovators. Rates and terms are based on creditworthiness and underwriting criteria. Not all applicants will qualify. HH Renovators does not make any representation regarding the availability or terms of financing.