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Financing Options: Helping you secure the safety you need!



When the cost of a chimney repair comes between you and a functioning chimney, well, that isn’t a good enough option for our valued customers. At The Chimney Doctor we believe first and foremost in keeping you and your family safe while enjoying a fire in your home. Now there is a way to repair or replace your chimney or appliance when necessary… without breaking the bank!

The various payment options we provide allows you to break the cost of a chimney repair or replacement into affordable monthly payments. We have partnered with Hearth Financing and Enerbank USA to offer you an assortment of options to meet your needs and comfort level.

Unsecured Personal Loans

Hearth Financing options range from traditional personal loans that you can browse without a hard pull on your credit to 0% interest credit card options for up to 18 months.

Benefits of Hearth Financing with The Chimney  Doctor:

  • Know your personalized monthly payment options within minutes and without affecting your credit score. 
  • We make it easy for you to find monthly payment options for your project, with:
    • Loan amounts up to $100,000
    • Affordable monthly payment options
    • Funding within 1-3 days
    • No prepayment penalties
    • No home equity required

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0% Financing

We’re excited to announce that we can now offer 0% APR credit cards* to help fund your project in place of a traditional personal loan!

More than half of homeowners who finance a project with a credit card take advantage of a no-interest promotion, and it’s easy to see why. With a 0% APR credit card, anyone with strong credit could finance their project without paying any interest at all.


Cpayment optionsustomers who have good credit and pre-qualify for personal loan options through our standard application will receive an invitation on their offers page to explore our 0% APR credit card marketplace. Our marketplace features cards from the nation’s leading providers.

You can apply for the card you’ve selected once you find the right option. The terms of the card, the length of the promotional period, and the credit limit will depend on your credit profile, which will be determined by a hard credit pull. And just to be clear, we can’t guarantee how much you may be approved for, as that is at the sole discretion of the lending institution. But whether your project can be fully or partially covered by a credit card with 0% interest, you come out ahead in the end.

Most of the time, you will receive an instant decision. If approved, you’ll usually get the card in 2-7 business days. Some clients, however, may have to go through a longer manual review process. 

*Potential credit card offers will include a 0% APR during a promotional period only; the promotional period will vary in length among different offers. After the conclusion of the promotional period, higher APRs will be charged. Please consult the disclosures related to any particular card offer.


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Other Loan Options

If either of the two options above don’t work for you, or if you’d just like to consider other options, we also have a relationship with Enerbank.

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EnerBank offers you peace of mind by only providing loans through authorized contractors. Applying over the phone is quick and easy and we’ll let you know our decision within minutes. Get the financing you need to make your hearth dreams come true with EnerBank. Click here to review your offers.

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 12 to 144 months depending on loan amount. 8.99% to 14.99% fixed APR, based on creditworthiness, subject to change. The first monthly payment will be due 30 days after the loan closes.

If you need assistance or would like to speak with someone here at The Chimney Doctor, please reach out to us at 970-234-3330. We’re happy to help!