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Home Safe showroom with burning fireplace displays

Financing Options

Don't let budget concerns stand between you and a home that's safe and cozy. Apply in minutes.

Affordable Payments

Make Your Project Affordable

A new fireplace or chimney repair shouldn't have to wait because of budget concerns. We've partnered with Regions Bank | EnerBankUSA to offer two flexible financing options — so you can move forward with your project and pay over time.

The application takes just a few minutes, and you'll get a decision fast. Choose the option that works best for your budget, and our team will handle the rest.

  • Quick online application — apply in minutes
  • Two options: same-as-cash or low fixed APR
  • Available for fireplaces, installations, and chimney work
Beautiful gas fireplace in a cozy living room

Choose Your Plan

Financing Options for Your Project

Most Popular Option

12 Month

Same-As-Cash*

No payments, no interest for 12 months

Apply Now

Low Monthly Payment

6.99%APR

5 Year Loan*

Low fixed rate with affordable monthly payments

Apply Now

Credit and loans provided by Regions Bank, Member FDIC. Subject to credit approval.

*12 Month Same-As-Cash: Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.

*6.99% APR 5 Year Loan: Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 24.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $11.49 to $30.27 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.

Common Questions

Financing FAQ

What's the difference between the two options?
The 12-month same-as-cash option lets you pay off your project within a year with no interest and no payments during that period. The 6.99% APR option spreads your payments over 5 years at a low fixed rate — great for larger projects where you want a smaller monthly payment.
How do I apply?
Click the "Apply Now" button on either financing option above. The application is through Regions Bank | EnerBankUSA and takes just a few minutes. You can also apply in person at our showroom.
What can I finance?
Financing is available for fireplace purchases, installations, chimney repairs, masonry work, and other qualifying home improvement services performed by Home Safe Hearth & Chimney.
Who provides the financing?
Credit and loans are provided by Regions Bank, Member FDIC (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit. Regions Bank operates EnerBankUSA, a trusted home improvement lending platform.

Don't Go Another Year With a Useless Fireplace or a Dangerous Chimney

Get the answers you need, enjoy a home that's warm all winter, and know that your family is safe.