Start your project now — pay over time
Get pre-approved in as little as 60 seconds through our lending partner Hearth. Choose from personal loans or home equity options. 0% interest plans available. No prepayment penalties.
We offer flexible financing so nothing stands between you and your project
Whether it’s a full kitchen remodel, a spa-inspired bathroom, or a ground-up addition, we’ve partnered with Hearth to make budgeting simple. In about a minute you’ll see real loan options tailored to your credit profile — without any hit to your score.
Fixed monthly payments, transparent terms, and the freedom to pay off early with no penalty. It’s the same approach we bring to every project: no surprises.
- Pre-qualify in about 60 seconds
- Soft credit check — won’t affect your score
- 0% interest plans available to qualifying customers
- Personal loans and home equity options available
- No prepayment penalties — pay off early any time
- Fixed monthly payments that fit your budget
Three simple steps to start your project
1. Pre-qualify online
Click Check My Options, answer a few quick questions, and see loan amounts and monthly payments in about 60 seconds. Soft credit inquiry only — no impact to your score.
2. Choose your plan
Compare offers from Hearth’s network of top lenders. Pick the amount, term, and monthly payment that best fits your budget and timeline.
3. We get to work
Once approved, funds are typically available within days. We’ll break ground on your kitchen, bathroom, addition, or new build on your schedule.
Any C&A Contracting project
Financing works across every service we offer — big remodels, small refreshes, or unexpected repairs.
New Construction
Ground-up custom homes and full-scale builds across Tampa Bay.
Explore →Kitchen Remodels
Complete kitchen renovations from cabinetry to countertops.
Explore →Bathroom Remodels
Spa-inspired baths, walk-in showers, and modern upgrades.
Explore →Renovations & Additions
Whole-home remodels and additions that expand your space.
Explore →Flooring
Hardwood, tile, LVP, and stone — installed to last.
Explore →Cabinetry
Semi-custom and custom cabinetry in dozens of finishes.
Explore →Personal loan vs. home equity
Hearth’s network offers both. Here’s how they stack up so you can pick what’s right for your project.
| Feature | Personal Loan | Home Equity Loan / HELOC |
|---|---|---|
| Collateral required | None — unsecured | Your home secures the loan |
| Typical loan amount | $1,000 – $100,000 | Up to $250,000+ (based on equity) |
| Typical interest rate | Higher (fixed APR) | Lower rate |
| Time to fund | As fast as 1–3 business days | 2–6 weeks (appraisal & title review) |
| Home appraisal | Not required | Usually required |
| Repayment term | 2 – 12 years, fixed | Up to 30 years (loan) / 10–20 yr HELOC |
| Payment type | Fixed monthly payment | Fixed (loan) or variable draw (HELOC) |
| 0% interest promos | Available to qualifying customers | Not typically available |
| Risk if you can’t pay | Credit impact only — no lien | Home is at risk (secured by property) |
| Interest tax deductible? | No | Often yes for home improvement* |
| Prepayment penalty | None | None (Hearth partners) |
| Best for | Smaller projects, fast starts, no home equity | Larger renovations, homeowners with equity, longer payoff |
*Consult a tax professional. Actual rates, terms, and eligibility are set by the lender and depend on credit and property details. Ranges shown are typical for the Hearth lender network and may vary.
Financing FAQ
Will checking my rate affect my credit score?
No. Pre-qualifying through Hearth uses a soft credit inquiry that does not affect your credit score. A hard inquiry only happens if you decide to move forward with a specific lender’s formal application.
How much can I borrow?
Loan amounts typically range from $1,000 to $250,000 depending on your credit profile and the lender. During pre-qualification, you’ll see the actual offers available to you.
What types of loans are available?
Hearth offers both unsecured personal loans and home equity products (home equity loans and HELOCs). Personal loans don’t require any property collateral and typically fund the fastest. Home equity products can offer larger amounts and lower rates for homeowners with equity in their property. You’ll see which options you qualify for during pre-qualification.
What can I use the financing for?
Any project we handle at C&A Contracting: kitchen remodels, bathroom remodels, renovations and additions, flooring, cabinetry, new construction, and water damage restoration.
How fast can I get funded?
Many customers see funds deposited within a few business days of accepting a loan offer. Timing depends on the lender you choose.
Do you offer 0% interest financing?
Yes, promotional 0% interest plans are available to qualifying customers through our lender network. Terms and eligibility are set by the lender — you’ll see your specific offers during pre-qualification.
Is there a prepayment penalty?
No. You can pay your loan off early at any time without additional fees on any of the loans offered through Hearth.
Ready to start your project?
Check your financing options in about a minute, or reach out to talk through your project with our team. Free estimates on every job.