Customer Financing Calculator: What Your Customer Pays Monthly
To estimate what a financed project costs your customer monthly: at ~7.99% APR over 5 years, roughly $20 per $1,000 borrowed; at ~15% APR, roughly $24 per $1,000. So a $15,000 project quotes at approximately $304–$357/mo over 5 years. Figures are illustrative — actual rates and terms vary by lender and customer credit.
- Quote the payment, not just the price, on every bid
- Static table below + a real interactive calculator
- Every figure illustrative — not an offer of credit
Monthly payment by project size
Standard amortization, illustrative. Independently verified — not just copied from a template.
| Project price | ~7.99% / 3 yr | ~7.99% / 5 yr | ~7.99% / 10 yr | ~14.99% / 5 yr |
|---|---|---|---|---|
| $5,000 | ~$157 | ~$101 | ~$61 | ~$119 |
| $10,000 | ~$313 | ~$203 | ~$121 | ~$238 |
| $15,000 | ~$470 | ~$304 | ~$182 | ~$357 |
| $25,000 | ~$783 | ~$507 | ~$303 | ~$595 |
| $50,000 | ~$1,567 | ~$1,014 | ~$606 | ~$1,189 |
| $100,000 | — | ~$2,027 | ~$1,213 | ~$2,378 |
Illustrative only; not an offer of credit. Rates and terms vary by lender and customer credit. Hearth's lender marketplace: $1,000–$250,000, terms 2–12 years, rates from 7.99% APR.
Per $1,000 financed at 7.99% APR over 5 years
Per $1,000 financed at 7.99% APR over 10 years
Try it with your own numbers
No signup, no data collected — just the math, client-side.
How contractors use this in a bid
Price the job normally — the payment is presentation, not discounting.
Put the range on the proposal: "$18,400, or from ~$373/mo over 5 years (illustrative)."
Let the customer prequalify (soft pull) to see their real offers.
Your top questions, answered
How much is a $15,000 project per month?
Illustratively $304–$357/mo over 5 years (7.99%–14.99% APR), or ~$182/mo over 10 years at 7.99%. Actual offers depend on the customer's credit and lender terms.
What credit score does a customer need?
Hearth's lender network serves scores down to 550; approval and pricing are lender decisions and never guaranteed.
Does checking options affect the customer's credit?
Prequalification is a soft pull with no score impact; a hard inquiry occurs only on accepting a lender's offer.
Turn the price into a payment.
Quote the monthly number on every bid over $5K — then let Hearth's marketplace find the real offer.
