Financing

Enjoy designer interiors now and pay later. With our partner Hearth, you can view personalized payment plans in 60 seconds with no impact on your credit, secure fixed‑rate loans that never require home equity, and receive funding in as little as two days to keep your project moving. Seamless, stress‑free financing—crafted for your dream space.

Elevate Your Space
on a Budget That Fits

Dreaming of a magazine‑worthy home but prefer to pay over time? Our partnership with Hearth lets you view personalized monthly payment plans in about 60 seconds—with no impact on your credit score. Whether you’re refreshing one room or undertaking a full redesign, financing puts exceptional design within reach while preserving your cash flow.

Why Finance Your Design Project?

Protect your savings & keep emergency funds intact while still investing in quality craftsmanship.
Start sooner, finish faster. Approved borrowers receive funds in as little as 1–3 business days, so construction never sits idle.
No home‑equity headaches. These unsecured personal loans require zero collateral, unlike HELOCs or cash‑out refis.
Predictable payments. Fixed APRs and terms from 2 to 12 years mean you always know what you owe.
Competitive rates. Lending partners currently offer APRs starting around 4.99% for well‑qualified borrowers, with typical ranges between 5% and 35.99% .

Estimate Your Monthly Payment

Use the interactive Financing Calculator in the sidebar to test different loan amounts, terms, and estimated APRs. Adjust until the monthly figure aligns with your comfort zone, then click “Apply with Hearth” to lock in your offer.

Calculator provided by Hearth. Estimates are for illustration only; your actual terms may vary.

How Hearth Financing Works

01 Pre-qualify

Click “See My Financing Options” below and answer a few questions. Hearth performs a soft credit pull only

02 Compare Offers

Up to 17 lending partners may present terms on loans from $1,000–$250,000

03 Apply & Fund

Choose your preferred offer; a hard pull occurs at full application. Approved funds arrive in 1‑3 days

04 Design with Confidence

EDENbyDESIGN coordinates every detail while you repay in predictable monthly installments.

See My Financing Options

Quick‑Glance Program Highlights

01

Loan amounts: $1,000 – $250,000

Funding: as fast as 1–3 days

No pre‑payment penalties—save interest when you pay early

Terms: 2 – 12 years

Soft‑pull pre‑qualification keeps your credit intact

FICO scores as low as 550 may qualify

Frequently Asked Questions

Will checking my rates hurt my credit?

No. Pre‑qualification uses a soft inquiry that does not affect your score. A hard inquiry occurs only if you move forward with a specific lender.

What can I finance?

Anything related to your EDENbyDESIGN project—from furnishings and fixtures to full build‑outs.

Are there fees?

There are no application fees or dealer fees charged by Hearth. Some loans include an origination fee disclosed in your offer.

How are interest rates determined?

Lenders consider credit profile, income, loan size, and term length. Home‑improvement personal loans average 10 %–20 % APR, but rates can be higher or lower.

Disclosure

EDENbyDESIGN is not a lender nor does it issue credit. Financing is offered through Hearth’s network of third‑party lenders. All loans are subject to credit approval. Terms and conditions apply. APRs, loan amounts, and funding timelines are accurate as of today’s date and may change without notice.