Soft Credit Check
Pre-qualification does not affect your credit score. You can see estimated options before applying for a loan.
Flexible Monthly Payments
HVAC FINANCING
Get the heating or cooling system you need now and pay over time. Pillar HVAC partners with Hearth so homeowners can check personalized loan options in minutes, with no impact to your credit score to pre-qualify.
Why Homeowners Choose Financing
Comfort Without the Upfront Cost
A new furnace, air conditioner, or heat pump is a major investment. Financing lets you start the job now and spread the cost into a monthly payment that fits your budget.
Loans up to $250,000
Hearth’s lending partners offer personal loans for projects from $1,000 to $250,000, with terms up to 12 years.
Funded in as Soon as 24 Hours
If approved, many homeowners receive funds the next day so installation can move forward without delay.
No Home Equity Required
These are personal loans, not a second mortgage. You keep equity in your home and there are typically no prepayment penalties.
Simple Process
How Hearth Financing Works
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01
See your options
Complete a short online form. Hearth checks eligibility with its lending partners and shows estimated monthly payments, without a hard credit pull.
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02
Pick a plan
Compare personalized offers, choose the term and payment that fit, and apply with the lending partner you prefer.
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03
Get funded & we install
Once approved, funds typically arrive in as soon as 24 hours. Then Pillar HVAC schedules and completes your heating or cooling project.
Payment Estimator
See a Sample Monthly Payment
Enter an estimated project cost and credit range to preview a sample payment. This is an illustration only. Your actual rate comes from Hearth’s lending partners after you pre-qualify.
- Typical HVAC replacements in our area range from about $3,500 to $15,000+
- Pre-qualification takes about two minutes
- Checking rates does not affect your credit score
Enter an amount between $1,000 and $100,000
Estimated monthly payment
$172
based on a 5-year term
| Principal | $8,000.00 |
|---|---|
| Estimated interest | $2,299.00 |
| Total loan cost estimate | $10,299.00 |
The estimated monthly payment is provided for information purposes only. It is based on the selected loan amount and credit score range, and calculated using a 5-year loan term with 60 monthly payments and an APR of 10.49%. Actual rates, terms, and eligibility are determined by Hearth’s lending partners.
Financing Questions
Does checking rates affect my credit score?
No. Hearth’s pre-qualification uses a soft credit check and does not affect your credit score. If you later apply for a specific loan with a lending partner, that application may include a hard credit inquiry.
What credit scores can qualify?
Hearth works with a network of lending partners that consider a wide range of credit profiles, including FICO scores as low as 550. Approval, rates, and terms depend on the lender and your application. Not every applicant will be approved.
Do I need home equity?
No. These are personal loans for home improvement, not home-equity loans. You typically do not put your house up as collateral.
When is my first payment due?
Your first payment is usually due about a month after the loan is funded. You repay the lending partner directly according to the terms of your loan.
Can I use financing for repairs as well as new systems?
Yes. Financing can be used for qualifying HVAC installations, replacements, and larger repair projects. Ask your Pillar HVAC technician or call us at (516) 620-9306 if you are unsure whether your job is a good fit.
Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions; this site does not constitute an offer or solicitation to lend. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Hearth’s lending partners. NMLS ID# 1628533 | NMLS Consumer Access.
Financing offered through Hearth.