Turn $7,500 HVAC Jobs Into Affordable Monthly Payments.
Help more homeowners afford essential HVAC upgrades and close more bids on the spot. Make the math work for everyone.
A $7,500 bid becomes a $346/mo yes.
Homeowners don't flinch at $346. They flinch at $7,500. Hearth lets you quote both — right from the truck, right inside your bid.
Why Pros
Use Hearth.
Close More Jobs, Period.
Stop losing bids because of upfront costs. With Hearth, 4 out of 5 customers who apply get monthly payment options, even for big-ticket AC replacements or furnace installations. This means fewer missed opportunities and more homeowners getting the comfort they need.
Keep Your Hard-Earned Margins.
Unlike other platforms, Hearth has zero dealer fees. You offer flexible financing without cutting into your profit on a new heat pump or a full system overhaul. Focus on quality work, not hidden costs that eat into your bottom line.
Broad Eligibility, Fast Approvals.
Don't turn away customers based on credit. Our 17 lender partners accept FICO scores as low as 550, and customers can see their options in minutes. Equip your techs to offer financing right on the service call, before they even leave the house.
I would pay a dealer fee honestly for zero percent, but that's cool.
Worried Your Customers Won't Want Financing?
Your price is too high.
Even your best customers appreciate options. For those unexpected AC failures or furnace replacements, affordable monthly payments for a $7,500 job can be a game-changer. Plus, with FICO scores as low as 550 accepted, you're not leaving any potential jobs on the table.
Hearth closes itFour steps.
No friction.
Request a demo.
Takes 2 minutes. A Hearth specialist calls you back, walks you through it and gets you set up to offer financing.
Send the quote.
From the truck, the office, or the jobsite. Hearth shows the dollar total and the monthly payment on every bid.
Customer picks a plan.
17 lender partners compete for the deal. 4 out of 5 get approved. FICO as low as 550. No dealer fees, ever.
Get paid fast.
Funds drop into your account as soon as the job is done. You keep 100% of the margin. No surprise deductions.
Quote it.
Finance it. Done.
Turn your next bid into a signed contract. No dealer fees. Ever. No long-term commitment.
Request a Demo