Financing
Fireplace Financing in Oneonta, NY
A new fireplace or stove doesn’t have to wait for the budget to catch up. Hearths A’Fire partners with Hearth for financing: apply online in about two minutes, see your options without affecting your credit score, and choose the monthly payment that fits.
Financing Through Hearth
A Fireplace Now, Paid for Over Time
The right fireplace or stove changes how a house feels every single day—so it shouldn’t have to wait for the budget to catch up. Hearths A’Fire partners with Hearth, a financing platform built for home-improvement projects, so you can spread the cost into a monthly payment that fits.
The application takes about two minutes, from home or at our Oneonta showroom. Seeing your options does not affect your credit score, one application goes to multiple lenders who compete for your project, and you choose the offer you like. The financing can cover the unit, the venting, and the installation—everything the instant estimate on this site prices.
Apply Now
Here’s How Financing Works
3 Simple Steps to Approved
Hearth handles the application and the lenders; we handle the fireplace. Price your project on this site first, then apply for the amount you actually need.
Apply Online in About Two Minutes
Hearth’s application takes about two minutes, from home or at our showroom, and shows your options without affecting your credit score.
Compare Offers From Multiple Lenders
One application goes to several lenders, who compete for your project. You choose the term and the monthly payment that fit your budget.
Enjoy a Professional Installation
Our own in-house team installs your fireplace, stove, or insert—and services it for years to come. The financing runs through Hearth.
Financing can cover the unit, the venting, and the installation—everything the instant estimate prices.
Apply NowIn Their Words
Real Reviews From Our Customers
Unedited, straight from Google.
4.5 68 Google reviews
“We purchased a propane fireplace from Hearths A'Fire and had little to no experience with installation or maintenance. The customer service here is exceptional. I cant say enough about a gentleman by the name of Brian. He has gone far above and beyond for me...”
Read the full review
We purchased a propane fireplace from Hearths A'Fire and had little to no experience with installation or maintenance. The customer service here is exceptional. I cant say enough about a gentleman by the name of Brian. He has gone far above and beyond for me in any time of need. He's about as professional and personable as anyone I've encountered and has truly shown he cares. He recently came with another very helpful gentleman by the name of Luke, even when their schedules are packed, to help me resolve a maintenance issue. Im truly thankful for the customer service I've received from these folks. Highly recommended!
“We just had a new Harmon pellet stove installed. The quality of the work was exceptional ! We are repeat customers of Jeff and wouldn’t go anywhere else. Highly recommend !”
“I needed a new igniter for my Harmon pellet stove. The team walked me through analyzing my situation, had the part on hand and now I’m ready for the winter. THANK YOU.”
“Very nice people....great service”
Showing all 4 reviews
The Oneonta Showroom
Visit Our Oneonta Showroom
With a 5,000 square foot showroom, 60+ displays, and over 30 years of experience, we know how to blend cozy charm with modern convenience. Visit our showroom to see your selected stove or fireplace and meet our friendly team.
Showroom Hours
- Monday–Friday
- 9:00am–5:30pm
- Saturday
- 9:00am–3:00pm
- Sunday
- Closed
Good to Know
Common Questions About Financing
The questions people ask before they apply, answered plainly.
Apply NowHow do I apply for financing?
Online, through the Hearths A'Fire page at Hearth. The application takes about two minutes, from home or at our Oneonta showroom, and seeing your options does not affect your credit score.
What can the financing cover?
A fireplace, stove, or insert and its installation—the unit, the venting, and the work by our own in-house team—priced on this site in about two minutes.
Does the instant estimate come before financing?
Yes. Price the unit, the venting, and the installation online first, then apply for the amount you actually need.
Who is Hearth?
Hearth is a financing platform for home-improvement projects. One application goes to multiple lenders, who compete for your project; you choose the offer and the monthly payment that fit your budget.
Room in the Budget
Warm Up the House Without Waiting
Apply through Hearth in about two minutes, then price the fireplace you want—unit, venting, and installation—right here. When you’re ready, see it burning at our Oneonta showroom.