Make Your HVAC Upgrade More Manageable
Replacing a furnace, air conditioner or heat pump is a significant investment. Central HVAC offers access to monthly payment options through Hearth, so you can review financing choices before deciding how to pay for your project.
See What Your Monthly Payment Could Look Like
Enter an estimated project amount and credit-score range in Hearth's calculator to see an illustrative monthly payment. The calculator is an example, not a loan offer.
Continue through Hearth's short prequalification process to review personalized offers from participating lenders. Available offers may include personal loans, home equity products and 0% introductory APR credit cards for eligible applicants.
- Check initial options in minutes without affecting your credit score.
- Compare available monthly payments, rates, terms and total repayment amounts.
- Finance part of the project or the entire eligible amount.
- Review offers without any obligation to accept one.
Qualifying applicants may see promotional credit-card offers with 0% introductory APR for up to 21 months. Offers and credit limits vary by card issuer; after the promotional period, the standard card APR applies. These offers may not appear in the calculator itself.
How Monthly Payment Options Work
Check Your Options
Provide basic personal, financial and project details through Hearth. Initial prequalification uses a soft credit inquiry.
Compare Offers
Review available loan and card options, including monthly payments, rates, repayment periods and total costs.
Choose What Works
There's no obligation to accept an offer. If you proceed, a lender may request additional verification or a hard credit inquiry.
Common Questions About Monthly Payments
Will checking my options affect my credit score?
No. Hearth's initial prequalification uses a soft credit inquiry. A formal lender or card application may involve a hard inquiry if you choose to proceed.
Am I required to accept an offer?
No. Checking offers is free and does not commit you to financing. You can stop or decide to pay another way.
Do I have to finance the entire project?
No. You can pay a portion out of pocket and request financing only for the remaining amount. Enter the amount you want to borrow during prequalification.
Are there penalties for paying off a loan early?
Hearth states that its participating personal-loan lenders do not charge prepayment penalties. Terms for other products, including home equity financing and credit cards, may differ; review each offer.
What if my credit isn't excellent?
Options depend on credit history, income and the amount requested. You may still see offers, and adding an eligible co-borrower or requesting a smaller amount may help.
How should I compare the offers?
Look at the monthly payment, APR, repayment period and total amount you would pay. A smaller monthly payment does not necessarily mean the lowest overall cost.
Who receives the monthly payments?
Payments are made to the lender or card issuer—not to Hearth or Central HVAC.
Questions about the application? Contact Hearth at 512-686-4141 or support@gethearth.com.
Additional Savings May Be Available
Qualifying HVAC equipment may also be eligible for state, manufacturer or utility rebates. Confirm equipment eligibility and program requirements before comparing final proposals.
Important: Hearth's calculator is illustrative and prequalification is not final approval. Actual loan and credit-card offers depend on eligibility, lender or issuer requirements and terms. 0% introductory APR promotional periods are limited; standard APR applies afterward. Central HVAC LLC is not a lender and does not make credit decisions. Hearth is a financing marketplace and does not make loans or credit decisions.