REFRESHIFY

Let’s face it—home improvement costs can sneak up fast. You start with a simple idea to refresh the kitchen or upgrade the bathroom, and before you know it, you’re staring at estimates that seem just out of reach. Many homeowners hit the same frustrating wall: they want to renovate, but the budget just won’t budge.

Whether it's worn-out flooring, outdated cabinets, or a bathroom stuck in the early 2000s, the desire to improve your home is real—but the upfront costs can put the brakes on your plans.

But what if you didn’t have to wait? What if the money wasn’t the barrier anymore?

🛠 Refresh Now, Pay Later: Here’s How It Works

At Refreshify, we understand these pain points because we’ve walked homeowners through them time and again. That’s why we’re thrilled to offer a financing option designed with you in mind—not the banks, not the brokers. Just you. Thanks to our partnership with Hearth, financing your renovation has never been easier.

Here’s what makes this a game-changer for homeowners:

✅ Pre‑Qualify in 5 Minutes with Soft Credit Check

Homeowners complete a short online form and can instantly view pre‑qualified monthly payment options—all without impacting their credit score. No hard inquiry means you can explore financing options safely and fast. https://gethearth.com/tools/customer-financing/

✅ Accepts FICO Scores as Low as 550

Our financing pools include multiple lending partners, so even those rebuilding credit or with moderate scores are eligible. That means homeowners aren’t excluded from renovation possibilities based on past credit issues.

✅ Loans from $1,000 Up to $250,000

Whether it’s a small bathroom update or a complete home transformation, Hearth's loan range matches it—from $1K to $250K. This wide range ensures you only borrow what you need.

✅ Flexible Terms Spanning 2 to 12 Years

Choose a repayment timeline that fits your life. From 24‑month plans to 12‑year options, homeowners enjoy control over monthly payment amounts—meaning more comfort and less strain on cash flow

✅ Competitive Interest Rates

With Hearth, homeowners typically see rates beginning in the high‑single digits (around 7.99% for good credit), scaling up based on credit factors. APRs can vary by borrower, loan size, and term, but fixed‑rate loans provide predictability.

✅ Optional 0% Introductory APR Credit Card Plans

For qualified homeowners (typically 680+ FICO), we also offer 0% intro APR card options—usually within a 6 to 18 month promotional window. Funds are typically available within 1 to 3 days, helping with smaller to medium projects or short-term financing needs.

✅ No Dealer Fees or Per‑Project Charges

Unlike many financing programs that charge 3–20% dealer fees per project, our system offers Profit Protection Financing, meaning zero hidden fees. Every dollar goes toward your improvement—not paperwork or third‑party charges.

✅ Funded in as Little as 1–4 Business Days

Once a loan is approved, the funds are typically delivered in 1 to 4 business days—sometimes even as few as 24 hours. That means you can start work quickly, without waiting weeks for financing to clear.

✅ No Prepayment Penalties

Want to pay off your loan early? Go for it. Our partners don’t charge early‑payoff fees, so homeowners can save on interest if they decide to accelerate repayment.

✅ Easy Integration with Quotes, Contracts & Invoices

With Refreshify’s digital tools (powered by Hearth), embedded financing links can be included in quotes, contracts, and invoices. That means homeowner sees total cost and monthly payment options side by side—eliminating "sticker shock" and helping you close jobs faster.

✅ Access to Multiple Lending Partners

Rather than a single lender model, Refreshify (via Hearth) connects to a network of roughly 20 lenders. This competition helps secure better terms, rates, and approval likelihood based on individual profiles and needs.

💬 Why This Option Matters

We know what it’s like to have a vision for your home but feel limited by budget. This financing option takes the pressure off, giving you the freedom to:

✔️ Fix issues before they worsen

✔️ Update outdated rooms for comfort or resale

✔️ Stay on budget and on schedule

All without dipping into your savings or dealing with high-interest credit cards.

📞 Ready to Refresh?

If you’ve been putting off a much-needed renovation because of budget stress, this might be the solution you’ve been waiting for.

Let’s turn that “someday” project into something you enjoy today—with flexible, stress-free financing.

📞 Call at (425) 403-2744

🌐 Learn more at www.refresh-ify.com