Renovations are a big decision. If financing helps you move forward comfortably, PCS Contracting has partnered with Hearth to offer flexible monthly payment options—quick to explore, secure to use, and designed to fit real-life budgets.
Why homeowners use financing
Sometimes the best plan is to start now and pay over time—without cutting corners on materials or craftsmanship.
Note: Financing offers vary by applicant and lender.
Clear Monthly Payments
Fixed rates and terms mean no surprises—your payment is clear upfront.
Multiple Lender Options
Compare offers from a network of trusted lenders to find terms that work for you.
Fast Access to Funds
Approved loans typically fund within 1–5 business days, sometimes as fast as 24 hours.
Quick, No-Impact Pre-Qualification
Check your rates in under 2 minutes with no effect on your credit score.
No Prepayment Penalties
Pay off your loan early with no additional fees.
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Frequently Asked Questions
1. How does financing through PCS Contracting work?
We partner with Hearth to help you find financing options for your project. You can check rates in minutes, compare offers from multiple lenders, and choose a monthly payment that fits your budget.
2. Will checking my rates affect my credit score?
No. Checking your rates through Hearth does not impact your credit score. You can review offers safely before deciding whether to move forward.
3. How fast can I get approved and funded?
Most customers see rates in under 2 minutes. If approved, funds are typically deposited within 1–5 business days, and in some cases as fast as 24 hours.
4. What types of projects can financing be used for?
Financing can be used for most home renovation and remodeling projects, including kitchens, bathrooms, basements, flooring, and other interior upgrades.
5. What do monthly payments look like?
Loans offer fixed rates and terms, so your monthly payment is clear upfront with no surprises. You’ll know exactly what you’re paying each month before you commit.
6. Are there prepayment penalties?
No. There are no penalties for paying off your loan early, giving you flexibility to save money over time.
