Transform Your Space with Payment Plans That Fit Your Budget
Estimated monthly payments are based on the applicant’s selected credit score. For example, a $4,000 balance may qualify for an introductory 0% APR for 6, 12, or 18 months, depending on credit approval. After the promotional period ends, the ongoing APR will be determined by the borrower’s credit profile and lender terms. If the balance is not paid in full before the 0% APR period expires, interest charges will apply to the remaining amount at the assigned standard APR. All financing terms, including promotional periods and interest rates, are subject to credit approval by the lending partners
Amount financed will vary.
Estimated monthly payments are based on the user’s selected credit score. For the estimated payments shown above for a $4,000 loan, the 3-year loan has an APR of 8.99%, the 5-year loan has an APR of 10.49%, and the 7-year loan has an APR of 9.75%. All rates are subject to credit approval by Hearth’s lending partners.
Amount financed will vary.
1. Equal Monthly Payment Offer
Any suggested equal monthly payment displayed (excluding taxes and delivery) under this promotional offer:
To qualify, the purchase amount must appear on a single receipt. Discounts applied to your purchase may result in disqualification from the promotional offer. A promo fee does not apply to this plan.
No interest will be charged on the promotional balance if paid in full within the promo period. If the balance is not fully paid, interest will apply retroactively from the purchase date. Minimum monthly payments may not completely pay off the balance within the promo period, depending on the purchase amount, promotional term, and payment allocation.
For non-promotional purchases and any remaining promotional balance after the promotional period, regular account terms will apply. For new accounts opened on or after [Insert Date], the purchase APR is 34.99%, and the penalty APR is 39.99%. Minimum interest charge: $2. A promo fee of 2% applies to equal payment, no-interest promotions lasting 18 months or more. Existing cardholders should refer to their credit agreement terms. All offers are subject to credit approval.
2. Fixed Monthly Payment Plan
To qualify for this offer, the purchase amount must be listed on a single receipt. Discounts applied to your purchase may affect your eligibility for this plan. A promo fee does not apply.
Under this plan, interest will accrue on the promotional balance from the purchase date at a reduced 11.99% APR, with fixed monthly payments required until the balance is fully paid. Monthly payments are calculated as 2.6328% of the initial promotional purchase amount, rounded up to the nearest dollar. Payments may exceed those required for non-promotional purchases.
During the final months of the promotional period, the required monthly payment may be reduced due to prior rounding adjustments. The estimated monthly payment (excluding taxes and delivery) ensures the balance is paid off within the promotional period if:
Payments are made on time each month.
The promotional purchase is the only balance on the account during this period.
If additional balances exist, this payment will be added to the minimum payment required for those balances. The total of all monthly payments will equal the cost of the promotional purchase. Regular account terms apply to non-promotional purchases and any remaining promotional balance after the promotional period ends.
For new accounts, the purchase APR is 34.99%, and the penalty APR is 39.99%, effective from [Insert Date]. Minimum interest charge: $2. A promo fee of 2% applies to equal payment, no-interest promotions lasting 18 months or more. Existing cardholders should refer to their credit agreement terms. Offers are subject to credit approval.
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