0% For Up To
21 Months.
Qualifying customers can finance a new system at 0% for up to 21 months through Hearth. Checking your options takes about two minutes and won't affect your credit score.
Check My Options → (888) 762-1334Three Steps. No Paperwork.
Hearth connects you with personal loan offers from its network of lending partners. You apply once and compare real offers side by side.
Apply Online
Takes about two minutes, right from your phone. No documents to upload to see your options.
See Your Offers
Hearth shows you loan options from its lending partners. Viewing offers uses a soft credit check — your score isn't affected.
Pick Your Plan
Choose the monthly payment that fits. Once your payment clears, we get your order moving.
Built For Big Purchases
- For qualifying customers
- Fixed monthly payments
- Terms disclosed before you sign
- Soft pull to view offers
- Compare multiple lenders at once
- No obligation to accept
- Multiple term options
- Early payoff allowed on most loans
- Funds often available within days
Up To 0% · 21 Months
Apply through our Hearth link, compare your offers, and pick the plan that works. Your rep can walk you through it over the phone if you'd rather talk it out.
Apply Through Hearth → (888) 762-1334Common Questions, Straight Answers.
Will checking my options hurt my credit score?
No. Viewing your loan options through Hearth uses a soft credit inquiry, which does not affect your score. A hard inquiry only happens if you accept an offer and complete a loan application with one of the lending partners.
Who actually lends the money?
Hearth is a financing platform, not a lender. When you apply, Hearth matches you with personal loan offers from its network of lending partners. The loan agreement is between you and the lender you choose, and all terms are disclosed before you sign.
How does the 0% for 21 months offer work?
Qualifying customers are matched with promotional offers that carry 0% interest for up to 21 months. Qualification depends on the lender's credit criteria. If you qualify, the term, payment amount, and what happens after the promotional period are all spelled out in the loan agreement before you commit.
How fast is approval?
Most applicants see their options within minutes of applying. If you accept an offer, funding typically follows within a few business days, and we get your order moving as soon as payment clears.
Can I pay the loan off early?
Most of Hearth's lending partners allow early payoff with no prepayment penalty. Confirm in your loan agreement before signing — the terms for your specific lender are always disclosed up front.
What can I finance?
Your full purchase — equipment, or equipment plus installation where we install. There's no markup for financing; the price is the price whether you pay in full or pay monthly.
Ready to Get Started?
Check your options in about two minutes. No impact to your credit score, no obligation to accept.
Check My Options → (888) 762-1334Furnace Direct is a retailer, not a lender.
Financing referenced on this page is offered through Hearth, a financing platform that connects consumers with independent third-party lenders. Furnace Direct does not issue credit and is not responsible for underwriting, approval, or servicing decisions made by Hearth or its lending partners.
Approval not guaranteed.
All applications are subject to lender qualification criteria. Approval amounts, interest rates, fees, and payment terms are determined by the lender and disclosed before you sign. Promotional 0% offers are available to qualifying customers only; not all applicants will qualify.
Loan terms.
Loans arranged through Hearth are consumer loan products subject to Truth in Lending Act (TILA) disclosures, including APR and finance charge. Review your lender's agreement carefully before signing, including what applies after any promotional period ends.
Credit inquiries.
Viewing loan options uses a soft credit inquiry that does not affect your credit score. Completing a loan with a lender may involve a hard inquiry and will be reported per that lender's policies.
Brands We Carry
Ready to Stop Overpaying?
Factory-direct pricing on every unit. No salespeople. No pressure. No hidden fees.
(888) 762-1334