Financing Available
Paint Now, Pay Over Time
We've partnered with Hearth so you don't have to put your painting project on hold. Qualified customers may be eligible for 0% introductory APR financing for up to 21 months. Checking your options takes about two minutes and does not affect your credit score.
Financing available — 0% intro APR for qualified customers
Prequalify in about 2 minutes with no impact to your credit score. See financing options
Check Your Options
Prequalify online in about two minutes.
Enter a few details below to see the financing options you may be eligible for. Checking does not affect your credit score.
How It Works
Straightforward financing, no surprises.
We give you an accurate, on-site price for your project. From there, you decide how you'd like to pay — including financing options through our partner.
Prequalify in about two minutes
A short online form shows you what you may be eligible for before you commit to anything.
No impact to your credit score
Prequalifying through our financing partner does not affect your credit score. A hard inquiry only happens if you move forward with a specific offer.
0% introductory APR options
Qualified customers may be eligible for 0% introductory APR promotional periods ranging from 6 to 21 months, depending on credit profile.
No minimum project size
Financing can be used on a small interior job or a full exterior repaint — there is no minimum purchase requirement.
What a project could look like
These are payoff illustrations only — the amount you'd need to average each month to clear the balance within a 21-month promotional period. They are not quoted minimum payments, and actual terms come from the card issuer.
| Project | Project Cost | Paid off in 21 months |
|---|---|---|
| Interior refresh | $5,000 | $238/mo |
| Exterior repaint | $8,000 | $381/mo |
| Full exterior | $12,000 | $571/mo |
| Whole-home repaint | $20,000 | $952/mo |
Important details
Financing is provided by third-party lending partners through Hearth, not by Top Grade Painting. All financing is subject to credit approval and the terms and conditions of the issuing lender. Qualified customers may be eligible for 0% introductory APR offers with promotional periods typically ranging from 6 to 21 months, based on credit profile. A minimum credit score of 680 is generally required for 0% introductory APR card options.
0% introductory APR does not mean no payments. Monthly statements are issued and at least the required minimum payment must be made. After the promotional period ends, any remaining balance is subject to the standard APR stated in the card issuer's terms and conditions.
Prequalification does not affect your credit score. Approval amounts, credit limits, and final terms are determined by the lender, and available credit may be less than your project total. Top Grade Painting does not guarantee approval or any specific promotional term.