To add Hearth financing to your contractor website, log in to your Hearth dashboard, copy three assets (your branded website banner, the monthly payment calculator embed, and your pre-qualification link), then place them on your homepage, your service pages, and your contact page. The whole job takes about 30 minutes, and every homeowner who completes the calculator or prequal form is sent to you as a lead with their name, contact info, and budget.
Key takeaways
- Hearth's web tools include a website banner, an embeddable monthly payment calculator, and a branded pre-qualification link, all part of the base Pro subscription per Hearth's pricing page.
- Each completed pre-qualification generates a lead with the homeowner's name, contact details, and project budget, according to Hearth's marketing tools page.
- Pre-qualification is a soft credit pull with zero score impact, for loans of $1,000 to $250,000 across a network of 18+ lenders.
- Placement order that converts: homepage hero first, then service pages, then the estimate or contact page, with the footer as passive reinforcement only.
- Copy that names a real monthly figure ("around $230 per month") pulls far more applications than a vague "financing available" line.
What you need before you start
Adding Hearth to your website requires three things: an active Hearth subscription, a login to your Hearth dashboard, and edit access to your website (or a 15-minute favor from whoever built it). As of mid-2026, Hearth's pricing page lists three plans: Pro, Pro + Harper (which adds the AI receptionist and follow-up tools), and Enterprise. Web tools ship with the baseline Pro plan, so you do not need an upgrade to do anything in this guide. Hearth no longer advertises the old Starter tier, a change worth knowing if you read our earlier Hearth plan comparison. Hearth does not publish prices on its site; third-party listings on Software Finder and Capterra report roughly $1,499 to $1,799 per year for the core plans plus a one-time $99 setup fee, and our full Hearth cost breakdown walks through the math.
Here is what Hearth gives you to work with on the web:
| Asset | What it does | Where it lives on your site |
|---|---|---|
| Website banner | Branded graphic telling visitors you offer monthly payment options, linked to your prequal form | Homepage hero, service pages, footer |
| Monthly payment calculator | Embeddable widget where homeowners enter a project cost and see estimated payments, then pre-qualify | Pricing page, service pages |
| Pre-qualification link | Unique branded URL for a soft-pull application, shareable anywhere | Buttons, menus, email signatures, QR codes |
Step 1: Pull your three assets from the Hearth dashboard
Your Hearth dashboard holds everything you need under the marketing tools section: the website banner files, the calculator embed code, and your unique pre-qualification URL. Copy all three into a note before you touch your website so you are not bouncing between tabs mid-edit. Hearth's marketing tools page also lists co-branded flyers, an email blast tool, and a social posting tool for Facebook Business Pages; those are worth setting up later, but the three web assets are the priority. One detail that matters: the prequal link is branded to your company, so homeowners see your name, not a generic lender page.
Step 2: Place financing where homeowners actually decide
Placement determines whether your financing message gets seen or scrolled past. Work through your site in this priority order:
| Priority | Location | What to add |
|---|---|---|
| 1 | Homepage hero | One line under your headline plus the banner or a "Check Monthly Payments" button |
| 2 | Service pages | A payment-anchored sentence tied to that trade's typical job cost |
| 3 | Pricing or estimate page | The payment calculator embed |
| 4 | Contact / quote page | Prequal link as a secondary call to action |
| 5 | Footer | Small banner so every page carries a passive mention |
The hero matters most because it is the first screen every visitor sees, and homeowners comparing three contractors will notice which one mentions monthly payments before they read anything else. If your hero already carries a quote form (and it should, per our guide to hero section contact forms), a single financing line under the headline is enough. Service pages come second because that is where a homeowner is already thinking about one specific job's cost. If you are still building out your site structure, start with the seven pages every contractor website needs and bake financing into each one as you go.
Step 3: Embed the monthly payment calculator
The payment calculator is the strongest lead tool Hearth gives you, and most contractors never install it. A homeowner enters a rough project cost, sees an estimated monthly payment, and can pre-qualify on the spot. According to Hearth's marketing tools page, every completed pre-qualification hands you a lead with the homeowner's name, contact information, and budget, which is more than most contact forms capture. Paste the embed code from your dashboard onto your pricing page or your highest-traffic service page. On WordPress, drop it into a Custom HTML block; on Wix, Squarespace, or GoDaddy builders, use the embed or code element. If your builder strips scripts, fall back to the banner image linked to your prequal URL, which works on any platform.
Step 4: Write copy that names a monthly payment
Financing copy works when it does three specific jobs: it names a monthly dollar figure, it removes credit-check fear, and it ties the payment to a real project. Compare these:
Weak: "We offer financing options."
Better: "Most projects qualify for monthly payments. A $15,000 bathroom remodel can finance for around $230 per month for qualified borrowers. Checking your options takes minutes and will not affect your credit score."
The numbers you cite need to be defensible. As of mid-2026, Hearth's customer financing page lists loans from $1,000 to $250,000, terms from 2 to 12 years depending on lender, and rates as low as 7.99% APR for top-tier credit. Note that 7.99% floor: older marketing (and older blog posts, including an earlier version of this one) referenced lower teaser rates, so recheck any rate you quote against Hearth's current pages. Frame examples with "around" or "for qualified borrowers" rather than promising a payment, and read our breakdown of what homeowners actually pay with Hearth before you anchor numbers. The credit-fear line is easy to write honestly: Hearth's pre-qualification is a soft pull with zero impact on the homeowner's score.
Step 5: Test on mobile and route the leads
Mobile testing is the step most contractors skip, and it is where most financing clicks happen. Pull up your site on a phone and check four things: the financing mention is visible without excessive scrolling, the prequal link opens correctly, the button is comfortably tappable, and the calculator renders inside the screen width. Then decide who owns the leads. Prequal completions and calculator submissions land in your Hearth dashboard, so someone in your office needs to check it daily or pipe notifications to their phone through the Hearth mobile app. A homeowner who pre-qualified is a warm lead who has already cleared the money question; our financing pitch guide covers what to say when you call them.
Common mistakes that kill financing conversions
- Footer-only placement. The footer is reinforcement, not lead generation. Buyers decide in the hero and on service pages.
- Vague language. "Financing available" reads like fine print. A monthly dollar figure reads like a decision the homeowner can make today.
- Quoting stale rates. Lender floors move. Copy that still promises old teaser APRs sets up a bad conversation at the kitchen table.
- Never testing the link. Click your own prequal link monthly. A broken link bounces every homeowner who was ready to apply.
- Skipping service pages. The homepage mention starts the story, but the service page is where a homeowner is pricing a specific job. That is the highest-intent placement you have, and it pairs well with a service page built to rank and convert.
How we put this together
We verified every claim in this guide against Hearth's own pages in July 2026: the marketing tools page (banner, calculator, prequal leads, email and social tools), the customer financing page (loan range, terms, rate floor, soft pull, 18+ lenders, no contractor-facing dealer fees), and the pricing page (current plan lineup). Subscription price figures come from third-party listings on Software Finder and Capterra because Hearth does not publish them, and the Trustpilot rating is as displayed in mid-2026. Where numbers vary by lender or credit tier, we wrote ranges instead of promises.
Frequently asked questions
Is the Hearth website banner included in every plan?
Yes, web tools including the banner and pre-qualification link are listed under Hearth's baseline Pro plan on its 2026 pricing page. The higher tiers (Pro + Harper and Enterprise) add AI answering, follow-up tools, and account management rather than extra website assets.
Does the Hearth pre-qualification affect a homeowner's credit score?
No, Hearth's pre-qualification uses a soft credit pull with zero impact on the homeowner's score, per Hearth's customer financing page. A hard inquiry only happens later if the homeowner proceeds to a full application with a specific lender, which is the point worth explaining at the kitchen table.
Can I add Hearth financing to a WordPress site?
Yes, WordPress handles all three Hearth assets: paste the calculator embed into a Custom HTML block, upload the banner image and link it to your prequal URL, and add the prequal link to any button or menu. No plugin is required, and the same approach works in page builders like Elementor and Divi.
What can homeowners pre-qualify for through my website?
Homeowners can pre-qualify for loans of $1,000 to $250,000 with terms of 2 to 12 years, at rates Hearth lists as starting at 7.99% APR as of mid-2026, with FICO scores as low as 550 accepted across its 18+ lender network. How that network raises approval odds is covered in our Hearth lender network explainer.
Do I pay dealer fees when a homeowner finances through my website?
No, Hearth charges contractors no per-project dealer fees; its customer financing page states there are no contractor-facing dealer fees on funded loans. You pay the flat annual subscription instead, which is the trade-off we analyze in whether Hearth is worth it for small contractors.
Is Hearth actually well reviewed by contractors?
Hearth holds a 4.6 rating on Trustpilot from roughly 1,000+ reviews as of mid-2026, with praise centered on lead flow and support, and complaints mostly about the annual commitment. That mix matches what we found in our roundup of contractor reviews of Hearth.
Ready to set it up? If you are not on Hearth yet, you can get started with Hearth here, then work back through the five steps above. The website side takes half an hour, and it keeps selling monthly payments while you are on a roof.
