Buy Now Pay Later
Easy Monthly Payment Plans
Get instant pre-approval with no hard pull on your credit report. Chomex has partnered with Hearth to make it easy to break your purchase into manageable monthly payments—with no home equity required and no prepayment penalties.
We can fund credit scores as low as 550. Choose a plan that works for your budget:
- 0% down – fully fund your project
- Flexible monthly payment options
- Get funded in 1–3 days
- No home equity required
- No prepayment penalties
Frequently Asked Questions
Will applying affect my credit score?
When you apply to pre-qualify, we only perform a soft pull—it won’t affect your credit score. After pre-approval, you'll see offers from multiple banks. Only once you choose an offer will a full credit check be done. Apply now—you have nothing to lose.
What credit score is required to qualify?
We fund credit scores as low as 550. If your score is 680+, you may qualify for 0% interest for up to 21 months. Other factors like income, debt ratio, and payment history are also considered. You may also add a co-applicant to improve chances.
How quickly can I receive the funds?
After choosing a lender from your pre-qualified offers, you may be funded in as little as 1–3 days.
Are there any prepayment penalties?
No—there are absolutely none. You can pay off early at any time.
Do I need to own a home or offer collateral?
No. These are unsecured personal loans—no collateral or home equity needed.
Can I use this for any Chomex model?
Yes, you can use it for any model we offer.
What loan terms are available?
Rates start at 7.99% with terms from 2 to 12 years. Some applicants may be eligible for 0% APR up to 21 months based on credit.
How do I apply?
Click below to apply now with no credit impact:
