Financing Options for Your Outdoor Project

Financing through Hearth is available for projects starting at $10,000. Most of our hardscaping projects fall well within the range that qualifies. Whether you are financing a $12,000 paver patio or a $45,000 full outdoor living space, Hearth can find options that fit your situation.

No. The 0% promotional rate is lender-dependent and is based on your credit profile. Some homeowners qualify for it and others receive fixed-rate plans instead. We are transparent about this. Hearth will show you exactly what you qualify for before you commit to anything. We never want you to feel surprised about financing terms.

Most applications are reviewed within minutes. You will see your available options quickly. Once you choose a plan, the approval is typically confirmed the same day. This means financing does not slow down your project start date. You can have your plan in place before we even finalize the design.

Yes. Financing is available for all project types we offer, including paver patios, retaining walls, walkways, pool decks, outdoor kitchens, pergolas, and custom decks. As long as the project meets the minimum investment threshold, you can use Hearth to spread the cost over time.

No. Once your financing is approved and you sign the project agreement, the scheduling process is exactly the same as a cash project. There is no delay on our end waiting for payments. We build your project, and you make monthly payments to the lender according to your chosen plan.

If you do not qualify through Hearth, we will talk through alternatives. Some homeowners choose to scope down the project to fit their cash budget and add phases later. Others come back after improving their credit profile. We never pressure you into a project you are not ready for. Our goal is to build something that makes sense for you long-term.