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

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Professionals selling with Hearth


Average annual ROI


Processed loan volume through Hearth

Give competitive Payment options to your customers


0% introductory APR credit card add-on cost


Minimum credit score to qualify for 0% introductory APR credit card options

How zero interest cards work in 3 simple steps

Offer financing

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

Customers Pre-qualify

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

Projects 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.

Why Pros Trust Hearth Financing

Dennis from DFW Home Theater 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.”

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How HOme Improvement 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. 


An introductory annual percentage rate (APR) is an initial promotional credit card rate that is offered to customers for a specified period of time. Our partners’ introductory 0% APR credit cards promotional periods last for 6–18 months. After the intro APR period is over, the interest rate on the account will adjust to the rate explained in the card’s terms and conditions

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

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

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

Yes, have your customer fill out your 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 will have to go through a manual. In the event of this, you will be able to track their status through the Hearth app, so you can follow up with your customer when necessary.

Get Started Today