Best Financing Options for Your Project

Apex Kitchen & Bath LLC has partnered with Hearth so we can help you find financing options that best fit your needs.

We’ll help you compare pre-qualified rates in less than 2 minutes and offer helpful tips to match you to the right financing. Let us help you estimate your monthly payments. Try our monthly payment estimator to see what you could get within your budget. Get your project started as soon as possible by getting pre-qualified today.

  • See your personalized monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity required.

  • Hearth makes it easy for you to find monthly payment options for your project, with:

    • Loan amounts up to $100,000

    • Affordable monthly payment options

    • Funding within 1-3 days

    • No prepayment penalties

    • No home equity required

  • Find convenient monthly payment options for your project. See your personalized payment plans without affecting your credit score now.

How does Hearth financing work?

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Multiple financing options

We work with 13 lenders to find personal loans and credit cards for your needs.

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Simple pre-qualification

Our process takes less than 2 minutes and will not affect your credit score.

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Personalized Options

Hearth’s lending partners can provide multiple options tailored to your needs.

Common Homeowner Questions:

Common Homeowner Questions:

Will filling out the prequalification form affect my credit score?

No, when you complete the prequalification form, lenders perform a “soft” credit inquiry. This allows you to compare lender offerings without affecting your credit score.

Can I payback my loan early without penalties?

Yes, all 13 of our lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.

What is the difference between secured and unsecured loans?

An unsecured loan is not linked to a specific piece of property (“collateral”) that the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, in contrast, always has some form of collateral, like a car or a house of which the lender can take possesion in the event of default.

How is APR determined for prequalified offers?

Lenders look at many factors, including as your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.

How soon will I get my money after my loan is approved?

You can usually expect to receive your money in as little as 1-5 business days.

What is the minimum loan amount?

In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth’s lenders only make loans of $2,000 or greater.

I’m not sure when my project will begin. If I take out a loan, can I delay the funding?

Most of our lenders do not offer delayed funding, but please confirm with your chosen lender. For instance, at least one Hearth lender allows you to schedule the deposit 45 days after approval.

Can I finance more or less than the exact cost of my project?

Yes, of course! Hearth’s offers page will display a range of loan options, so you can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.

When is a good time to add a coborrower to my loan request?

Consider adding a co-borrower if you do not qualify for a loan or would like to see possibly lower APRs. You and the co-borrower would both sign the loan agreement and be liable for the loan.

Will I need to verify my income?

Yes, Hearth’s lending partners require that applicants provide information to prove the source of the income they state.

If I don’t see offers, can I try again with a co-borrower?

Yes, if you did not see offers, you can fill out the pre-qualification form again and add a co-borrower. Adding a co-borrower may help you qualify for a loan or qualify for lower interest rates.

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Apex Kitchen & Bath LLC

Phone: 609-888-6827

info@apexkitchennbath.com

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