Spray foam today. Pay over time.
Pre-qualify in minutes with no impact to your credit score. Hearth matches you with trusted US lenders for flexible monthly payments — so the right job doesn't have to wait.
Three steps. Five minutes.
Hearth is built for home improvement projects. No paperwork, no hard credit pulls, no waiting weeks for an answer.
Pre-Qualify Online
Answer a few questions about your project and income. Hearth runs a soft credit check — zero impact to your score.
Compare Real Offers
See actual rates and terms from Hearth's lender network. Pick the monthly payment that fits your budget best.
Fund & Schedule
Accept your offer, get funded quickly, and we lock in your install date. You pay the lender monthly — nothing changes with Total Foam.
Financing designed for home projects.
Down Payment
Qualifying customers can finance 100% of the project — insulation, concrete lifting, materials, and labor. No money down required.
Credit Impact
Checking your rate is a soft pull only. Your credit score stays untouched until you formally accept a loan offer.
Pre-Qualification
No mountains of paperwork. Complete the short application on your phone in five minutes and see offers the same day.
Flexible Terms
Terms from 12 months up to 12 years. Spread payments out to match your budget — or pay it off early without penalty.
Ready to see your offers?
Pre-qualification is fast, free, and doesn't touch your credit score. Click through to Hearth and you'll have real lender offers in minutes.
Soft Credit Pull
Zero impact to your credit score when you check your rate.
Minutes, Not Weeks
Pre-qualify in five minutes and see real lender offers same day.
Trusted US Lenders
Hearth's network of nationwide home-improvement lenders.
No Prepayment Penalty
Pay off early whenever you want — no hidden fees or penalties.