Water Softener Financing
Soft, filtered water now, paid for monthly. Three ways to pay over time, and your credit picks which ones you are offered. Compare rates from over a dozen lenders in under two minutes, without affecting your credit score.
See what you qualify forThree ways to pay monthly
Fixed monthly loan
A fixed rate and a fixed term from two to twelve years, so you know your monthly payment up front, and the lowest monthly of the three. No home equity required, and no prepayment penalties if you pay it off early.
0% intro APR card
For strong credit: no interest during the promotional period, so the price is the price if it is paid off in time. How long it lasts and the rate after it vary by card. Applying is a full credit check, and the card arrives in a few business days.
Home equity line
For homeowners with equity in the house: usually a lower rate than an unsecured loan, set by the bank.
Offered through Hearth and its lending partners, subject to credit approval. The lender sets the rate and term you are offered. Hearth is a technology company licensed as a broker where state law requires. Hearth does not accept applications for credit, make loans or make credit decisions. NMLS ID 1628533.
Estimate your monthly payment
Type in the total on your quote, with tax, and pick your credit range to see a typical payment. Your real options come from Hearth’s lenders once you check what you qualify for.
How it works with us
- Get your free estimate: one price, installed, with the permit.
- Check what you qualify for, here or from the link on your quote.
- Pick the offer that fits, and we put you on the install calendar.
Questions about financing
Does checking my options affect my credit score?
No. Hearth checks what you qualify for with a soft credit check, which does not show to other lenders and does not affect your score. A lender may run a full credit check only if you choose an offer and apply for it.
Who is the loan with?
With the lender you pick, not with us. Hearth shows you offers from over a dozen lending partners side by side, and the rate, the term and the monthly payment are theirs, based on your credit.
Does financing cost more than paying up front?
The price of the system is the same either way. A loan adds interest at the rate you are offered, with no penalty for paying it off early; a 0% intro offer adds none if it is paid off within the intro period.
When do I apply?
Any time: before your quote, so you know your monthly number when we talk, or from the link on your quote page once you have it. If approved, the money is deposited into your bank account, usually within 1 to 5 business days and sometimes as soon as the next day, and you pay us from your account with no card fee.
Who do I call with questions about my application?
Hearth handles the application: call them at 512-686-4141. Anything about your system, your quote or your install date, call us at (908) 543-7638.
Ready to fix your water?
Tell us what you’re dealing with and get a straight written quote from a local pro. No pressure, no sales script.