Renovate now. Pay on your timeline.
Novara works with approved lending partners so your dream project doesn't have to wait on cash flow.
Two trusted ways to fund your project.
HFS Financial
Home improvement loans with no equity required, no prepayment penalties, and terms up to 20 years. Apply directly on Novara's HFS partner page.
- Direct-to-consumer funding
- No impact on credit (soft check)
- No equity / no appraisal required
- Industry-leading terms
- Up to 120% of project cost financed
- Funds all home improvements
Hearth
Compare monthly payment options in minutes with a soft credit check that won't affect your score. Loans up to $250,000 with funds in as little as one day.
How HFS financing works
- 1Inquire online — it takes about a minute.
- 2HFS runs a soft credit check, so there's no impact on your score.
- 3Once conditionally approved, you receive loan terms within 24 hours.
- 4Once fully approved, funds go directly to your checking account.
Common questions about remodel financing.
- What credit score do I need to qualify?
- Approval criteria vary by lender. Many homeowners qualify with scores in the mid-600s or higher, but each lending partner sets its own requirements. Checking your rate through our partners uses a soft credit pull and will not affect your score.
- Will checking my rate hurt my credit score?
- No. Both HFS Financial and Hearth use a soft credit pull for pre-qualification, so checking your rate does not impact your credit score.
- How much can I borrow for my remodel?
- Loan amounts depend on the lender and your qualifications. Hearth offers loans up to $250,000, and HFS Financial can finance up to 120% of your project cost in some cases.
- How long does approval take?
- Pre-qualification can take minutes. HFS Financial typically provides loan terms within 24 hours of conditional approval, and Hearth can show options almost instantly.
- Can I finance the full project cost?
- Yes. Many homeowners finance the full project amount, and HFS Financial can finance up to 120% of the project cost for qualified borrowers.
- Are there prepayment penalties?
- No prepayment penalties with our lending partners. You can pay off your loan early without extra fees.
- Who actually provides the loan?
- Loans are funded by third-party lending partners in each lender's network, not by Novara Construction. Novara is not a lender and does not make credit decisions.
- Can I use financing for any type of home improvement?
- Yes. Both partners fund a wide range of home improvement projects, including kitchen and bath remodels, room additions, whole-home renovations, outdoor living spaces, and custom home construction.
Financing is provided by third-party lending partners, not by Novara Construction. All rates, terms, and approvals are determined by the lender and subject to credit approval. HFS Financial is not a lender or a broker; information you provide to HFS Financial is not an application for a loan from HFS Financial, and HFS Financial does not endorse, warrant or guarantee the services or products of any lender or broker. All information is subject to change without notice. Not all will qualify.