• 0% interest if paid in full during promo period (commonly 6–12 months).
• No monthly payments during promo on approved credit.
• After promo, remaining balance converts per program terms.

Typically offered through contractor programs (e.g., Regions Home Improvement Financing, formerly EnerBank).

• Fixed rate & term for predictable payments and budgeting.
• Often a lower monthly payment vs. short promo offers.
• Many programs have no prepayment penalty.

APR depends on your credit and the contractor program. Representative partner pages often show competitive starting rates; actual offers vary.

• 0% intro APR credit card options via Hearth’s network.
• Fast approvals; convenient funding for projects.
• After the intro period, standard card APR applies.

Hearth also shows personal-loan options from multiple lenders; APRs vary by credit profile.