Finance

HVAC Financing From

If you want to take care of an HVAC project but don’t have the total payment upfront, P Airr provides Hearth financing options for qualified individuals. Don’t delay! Explore our rates below and contact us to keep your project moving forward.

Quick Approval

Funding with one of Hearth’s financial partners is simple and quick! Funds can be deposited as soon as 24 hours (three to five days on average), ensuring you can take care of pressing HVAC issues in a timely manner.

Straight Forward Payment Plans

Hearth personal loans have fixed rates and terms, so you’ll know your monthly payments right away. Plus, with no prepayment penalties, you can pay your loan off early with no additional fees.

Our Rates

Hearth has three rate plans, shown below, that let you know what to expect when you apply. You’ll likely see options with APRs in the ranges listed below but may receive options with lower or higher APRs depending on your income, FICO score, credit history, and other factors.
Credit Range
Pre-Qualification Rate*
Est. APR Range**
Loan Amount
Loan Term***
Lending Partners
Excellent
700 - 850 FICO
88%
4.99% - 15.24%
$1,000 - $100,000
2 - 12 years
8
Good
640 - 700 FICO
64%
15.85% - 29.09%
$1,000 - $100,000
1 - 7 years
8
Building
below 640 FICO
37%
22.48% - 34.70%
$1,000 - $50,000
1 - 5 years
5
*For each self-reported credit score range, the pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users who submitted a loan request.
**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualified users with minimum APRs between the 10th and 75th percentiles.
***For example, a loan in the amount of $10,000 for a term of five years with an APR of 6.0% would be repaid over 60 monthly payments of $193.33.

Download this chart for your reference.

Apply Today

No HVAC project should be delayed because of funding. Our Hearth financing options allow you to move forward with critical home improvement needs with the peace of mind of predictable monthly payments you can pay off ahead of time without penalty. Financing is provided, so you don’t have to sacrifice the safety and comfort of your home for an extended period. Apply today!

Apply online or contact P Airr to discuss your financing options.