Offer home improvement customers the best 0% APR credit cards

Offer affordable payment options, including 0% introductory APR credit cards. You get paid now, and your customer pays later.

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How zero interest cards work in 3 simple steps

  • 1

    Offer financing

    Send a financing link to your customer or include financing links in your Hearth Quotes, Contracts, and Invoices.
  • 2


    Customers complete a short online financing form and can get immediately pre-qualified for 0% introductory APR credit cards and loan options without affecting their credit scores.
  • 3

    Get funded

    Customers who pre-qualify for credit card options apply for their preferred option and, if approved, receive funding in as little as 24 hours.
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How construction companies can win more jobs with Hearth

How many times were you ready to sell that new home addition only to be stopped at the last minute when your customer saw the price tag?

As a home improvement professional, sticker shock is your worst enemy. By offering affordable payment options with Hearth, you can combat sticker shock with ease. 

Using Hearth, pros have access to digital quotes, contracts, and invoices with easy-to-edit templates. Whether you're in the home or on the jobsite, you can work on your business efficiently and from anywhere. 

Hearth’s lending partners offer 0% introductory annual percentage rate (APR) credit card options to help your customers get what they really want. Using the Hearth app, you can track your customers’ financing status.

You can see when your client gets approved for their card so you can follow up with them and get started on the job. 

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Why businesses love our solutions

With over 20,000 home improvement professionals using our software, there’s a lot to love about using Hearth. 

Kip from Risen Foundations says:

“It's easy to use for the employees and helps them close jobs more successfully and isn't a barrier for clients to work with your company.” 

Denis from DFW Hometheater says:

“The best way we use Hearth for our business is we have a link on our web page… Once they get approved then they call me.”

With over 450 million dollars in processed loans, professionals can now close more deals than ever before. 

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What our customers say

"We have seen a rise in jobs one after starting to use Hearth for ones that we never would have landed otherwise." -Johnathan E., Landscaping and Decks

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Give competitive options to your customers

0% introductory APR credit card add-on cost
Minimum credit score to qualify for 0% introductory APR credit card options

Hearth 0% Introductory Credit Card FAQs

Is there a minimum charge to receive the 0% introductory APR rate?

To add the 0% introductory APR rate to homeowners, it is $199/yr. To use the card there is no minimum charge.

Can they use this credit card for other POS transactions?

Yes, the card can be used as a regular credit card.

How long will they have 0% introductory APR?

The terms of the card will depend on your customers credit profile, but homeowners who qualify, terms typically range from 6–18 months. After that time period, your customer will have to pay their regular APR.

Can my customer get instant approval?

Yes, have your customer fill out our pre-qualification form, and in as little as two minutes, they can be pre-qualified for a 0% introductory APR credit card. The card will arrive in 2-7 business days. There may be circumstances where your customer may have to go through a manual review process. In the event of this, you will be able to track the status  through our app, so you can follow up with your customer when necessary.

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