Fireplace financing for hearth dealers and contractors. Offer homeowners monthly payments on gas inserts, wood stoves, and masonry fireplaces.
Fireplace financing equips your hearth showroom or installation company to quote homeowners monthly payments on gas inserts, wood and pellet stoves, direct-vent fireplaces, and masonry builds, while a participating lender carries the loan.
With Contractor Financing Solutions, every buyer gets access to 30+ participating lenders from a single personalized application. A homeowner can review available offers at the sales counter or during the in-home site survey, and payment is issued to your store when the loan funds.
Because financing is non-recourse, the lender generally assumes the homeowner’s repayment risk, subject to the applicable agreements. Your sales staff and installers can stay focused on venting runs, clearances, gas supply, and the installation calendar ahead of heating season.
Hearth sales usually move from showroom selection or an in-home consultation to a site survey, a written quote, and an installation date, and financing fits naturally into the quote. Buyers enter their own financial details online, so your counter staff never collects sensitive documents.
Lenders differ on when funds are released, and so do their programs. Depending on the lender, funds may be released after loan signing, after installation, or in stages on larger masonry and remodel projects. Verify the funding release point ahead of ordering a special-order unit, a custom surround, or a chimney liner.
The appliance is usually the smallest surprise in a hearth quote. Buyers who price an insert or stove online often do not anticipate the cost of a chimney liner, new venting, a gas line extension, a hearth pad or surround, and permit fees, and the gap between the advertised unit price and the installed total is where hesitation tends to start.
Financing also supports the full-build conversation. A new masonry fireplace or a remodel that adds a hearth wall involves masons, framers, and gas fitters, and a payment option lets homeowners evaluate the complete design instead of reducing it to a freestanding unit.
Timing plays a role as well. Many homeowners start shopping as heating season approaches, and a quote with a payment option attached gives buyers a reason to schedule installation before the colder months rather than waiting another year.
These examples run from a single insert or stove installation to a full gas fireplace with new venting or a masonry build. Actual rates and terms vary by lender and borrower qualifications; not all lenders offer every term shown, and some set minimum loan amounts.
| Project Amount | 60-Month Payment | Total Interest (60 mo.) | 120-Month Payment | Total Interest (120 mo.) |
|---|---|---|---|---|
| $3,000 | About $71/mo | About $1,281 | About $48/mo | About $2,806 |
| $5,500 | About $131/mo | About $2,349 | About $89/mo | About $5,144 |
| $9,500 | About $226/mo | About $4,057 | About $153/mo | About $8,885 |
| $18,000 | About $428/mo | About $7,687 | About $290/mo | About $16,835 |
Examples assume a fixed 14.99% APR, no fees, and full financing of the stated project amount. These are mathematical illustrations, not loan offers or guaranteed terms. Actual loans may include fees that affect the amount received or the total cost of borrowing.
For the $5,500 installation, a 10-year term instead of a five-year term lowers the monthly payment by about $42 but adds about $2,795 in total interest. For smaller hearth tickets such as the $3,000 example, a shorter term is often the better fit and a 10-year option may not exist at that size, so quote only what a lender presents.
The installed price of a hearth project depends as much on what the house already has as on the appliance itself. A sound masonry chimney, a usable gas supply, and adequate clearances keep costs down, while a missing flue or a long venting run can add thousands of dollars to the quote.
Here are some common situations where financing may help:
Federal rules shape both product selection and what buyers pay. EPA’s requirements for woodstoves and pellet stoves set a Step 2 limit of 2.0 grams of particulate matter per hour for new woodstoves tested with crib wood, or 2.5 grams per hour with cord wood, and EPA’s wood stove guidance notes that Step 2 took effect on May 15, 2020. The standards cover new woodstoves, pellet stoves, and certain wood-fired boilers and furnaces, and they do not affect heaters already in use in homes, so replacement sales are where the 2020 limits most directly reach your customers.
On the tax side, the IRS energy efficient home improvement credit allowed up to $2,000 per year for biomass stoves and boilers with a thermal efficiency rating of at least 75%. Under the July 4, 2025 law commonly known as the One Big Beautiful Bill, the IRS states that the credit is not allowed for property placed in service after December 31, 2025. Buyers who remember the credit from earlier seasons may expect an offset that no longer applies, which makes a clear monthly payment comparison more useful.
Fireplace costs depend on fuel type, whether a usable chimney or gas supply exists, venting length, surround materials, and labor. According to HomeAdvisor, the average cost to install a fireplace is $1,784, with most projects between $1,035 and $2,607, while gas fireplaces run about $2,500 to $10,000 and new vent pipe where no usable chimney exists can add up to $3,300.
Angi reports a $2,509 national average for fireplace installation across 1,174 verified projects, with a typical range of $940 to $4,218 and labor from about $225 for an electric insert to $2,180 for a wood-burning unit. The table below summarizes typical ranges by project type and related work. None of these numbers is a quote for a particular home.
| Project Scope or Component | Typical Installed Cost |
|---|---|
| Fireplace installation (national) National average about $1,784 | About $1,035 to $2,607 |
| Gas fireplace insert Unit about $2,300; labor typically $500 to $1,500 | About $2,300 to $8,000 ($3,700 average) |
| Direct-vent gas fireplace Includes labor and a new vent configuration | About $4,300 to $11,200 |
| Wood-to-gas conversion Natural gas line about $200 to $1,000 | About $500 to $5,500 ($3,000 average) |
| Wood-burning stove installation Catalytic stoves about $2,000 to $5,000; non-catalytic about $400 to $3,000 | About $940 to $4,218 ($2,509 average) |
| Pellet stove | About $1,000 to $3,700 |
| Chimney liner installation | About $1,500 to $4,000 ($2,500 average) |
| Outdoor fireplace Custom projects can reach $21,000 | About $1,500 to $8,000 ($3,000 average) |
| Chimney replacement Significant chimney repairs run up to about $5,000 | Up to about $15,000 |
Installed cost ranges from HomeAdvisor’s guides to fireplace installation, gas fireplace inserts, wood-to-gas conversion, and outdoor fireplaces (all updated June 20, 2026) and wood-burning stove installation (updated June 19, 2026), along with Angi’s fireplace installation cost guide (updated September 14, 2026). Angi’s fireplace insert guide (updated October 11, 2026) places the national average for a fireplace insert at $3,600. When comparing quotes, confirm whether chimney inspection and liner, venting, gas line and permit, hearth pad or surround, electrical work, and removal of the old unit are included.
Hearth buyers frequently decide at the showroom counter, where the choice is between paying today and spreading the cost. Understanding the alternatives lets your staff answer questions without giving financial advice.
| Payment Method | How It Works | When It May Fit |
|---|---|---|
| Cash or savings | The buyer settles the deposit and balance from available funds, avoiding any application, credit review, or interest. | Electric fireplaces, basic inserts, or replacement stoves that fit comfortably within the household budget |
| Credit card | The buyer charges the unit or deposit to an existing card at the counter. Interest may apply if the balance is carried past the grace period, limits may not cover an installed gas fireplace with venting, and your business may pay processing fees. | Accessories, special-order deposits, or smaller units the buyer will pay off quickly |
| Home equity line of credit (HELOC) | A revolving line secured by home equity, with a credit review and property valuation before closing. Rates are typically variable, and closing can take several weeks. | Masonry fireplaces or hearth walls built as part of a larger remodel or addition |
| Independent personal loan | The buyer borrows independently through a bank, credit union, or online lender, usually on an unsecured basis. Terms, fees, minimum amounts, and disbursement methods vary. | Buyers who would rather keep borrowing with their own bank or credit union |
| Contractor-offered financing | The buyer opens your personalized financing link, applies once, and reviews any resulting offers from participating lenders. Your store’s payment is issued when the loan funds, as that lender’s funding arrangement provides. | Installed gas fireplaces and inserts with new venting, stove packages with liners, and masonry or outdoor fireplace builds |
Your staff can describe these choices, and the buyer decides which one fits their household.
A number of participating lenders review applicants with credit scores from about 570, but approval is not assured. Lenders generally look at credit history, income, current debts, and the amount requested, and because the application goes to more than one lender, it can return options that one program alone might not. For smaller hearth purchases, terms may be shorter and some lenders set minimum loan amounts.
When the approved amount trails the quote, buyers can put cash toward the balance, choose another model or finish, or add a surround or mantel upgrade after the appliance is in. Venting, chimney liners, clearances to combustibles, and the manufacturer’s installation requirements are not the place to trim, because they govern safe operation and code compliance. Staff should not prompt buyers to inflate income or change any facts on the application.
Contractor Financing Solutions is designed for hearth businesses that sell from a showroom floor, quote from a site survey, or both.
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Fireplace financing lets hearth dealers and contractors quote the complete installation, including venting and chimney work, as a single monthly figure the buyer can evaluate at the counter or at home. Each buyer reaches multiple participating lenders with your personalized link, and those lenders take responsibility for approval and repayment.
Disclosure: Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is offered by independent participating lenders. Loan approval, available amounts, APRs, repayment terms, and funding timelines vary by lender, borrower qualifications, and applicable state requirements. Checking available offers uses a soft credit check that won’t impact credit scores; a hard inquiry may occur only if a borrower chooses an offer and submits a full application. Non-recourse arrangements are subject to the applicable lender and contractor agreements and do not eliminate obligations arising from fraud, refunds, cancellations, or contractual disputes. All project costs and payment illustrations are examples, not guaranteed prices or offers of credit. Information about tax credits and regulations is general and does not constitute legal, tax, or financial advice.
Estimate potential returns from offering customer payment plans.
Additional Monthly Revenue
Revenue: $90,000 → $120,000
Disclaimer: Results are estimates for illustrative scenario planning only and do not guarantee future revenue, approval rates, or closing percentages. Actual revenue will vary based on customer creditworthiness, project scope, lender terms, and merchant processing fees.
Offer monthly payments to homeowners in three simple steps, without becoming a lender or handling customer loan payments.
Share your link by text, email, estimate, or in person. Homeowners complete one quick application to explore offers from multiple lenders, starting with a soft credit check that won’t affect their credit score.
Every estimate you send without a monthly payment option is a deal you’re leaving to chance. Get started with Contractor Financing Solutions and give your next homeowner an easier way to say yes.
