Estimate Your Monthly Payment
Enter a project cost and a credit range to see an estimated monthly payment. Nothing is submitted, and no credit check runs while you use the calculator.
- Financing from $1,000 to $100,000 — enough for a single repair, a full system replacement, or a whole-home panel upgrade.
- Terms from 12 to 120 months — pick the monthly payment that fits your budget instead of draining savings.
- Options across credit ranges — Hearth's lending partners work with FICO scores as low as 550.
- 0% introductory APR credit card options for qualifying homeowners, with terms from 6 to 18 months.
When you're ready, pre-qualify to see your personalized options side by side. It takes about two minutes.
Prefer to talk it through first? Call (559) 210-9405 and we'll walk you through the numbers before you apply.
How It Works
Check your payment
Use the calculator above to see what a project would cost per month. No forms, no credit check, no obligation — just a number to work with.
Pre-qualify in about 2 minutes
Enter basic contact information and receive personalized options from Hearth's lending partners. It is a soft credit check, so your score is not affected.
Choose a plan and book
Pick the option that fits, and funding can arrive in as little as 24 hours. Then we schedule your installation or repair and get to work.
What You Can Finance
- AC installation & replacement — including high-efficiency systems built for Central Valley summers.
- Furnace & heat pump installation — new systems, replacements, and heat pump conversions.
- Electrical panel upgrades — 100A to 200A service upgrades, breaker box replacements, and hazardous panel swaps.
- Whole-home rewiring — aluminum wiring, knob-and-tube, and failing house wiring brought up to code.
- EV charger installation — Level 2 chargers, dedicated circuits, and service capacity upgrades.
- Emergency repairs — when something fails at the worst time, financing keeps the fix from waiting on payday.
Not sure whether your project qualifies? Call (559) 210-9405 and we'll confirm before you apply.
Financing Questions, Answered
Will checking my options affect my credit score?
How much can I finance?
How fast can I be approved and funded?
What projects can be financed?
Do I need perfect credit to qualify?
Still Comparing Options?
Financing is one way to pay — not the only way. We quote every job upfront so you can decide between paying in full, monthly payments, or phasing the work. Call (559) 210-9405 or book online and we'll put the numbers side by side.