Financing Terms & Conditions

Durafy's Financing Terms & Conditions

Effective Date: September 2025
Last Updated: September 27th, 2025

Hearth Partner Disclaimer
Hearth provides financing options, a third-party financing platform, and its network of lending partners. Durafy does not provide financing directly.
Credit Impact
Checking rates through Hearth does not affect your credit score. If you choose to proceed with an application, lenders may perform a hard credit inquiry, which could affect your credit score.
Loan Terms
Loan amounts, terms, and annual percentage rates (APRs) are based on creditworthiness and lender approval. APRs range from 0% promotional APR up to 36.99%, with terms between 1–12 years. Not all applicants will qualify for the lowest rates.
Promotional Offers
0% APR promotional financing is subject to lender approval and may only apply for a limited introductory period (up to 18-21 months). After the promotional period, standard interest rates may apply.
No Guarantee of Funding
Pre-qualification does not guarantee loan approval. Final approval is subject to review by Hearth’s lending partners.
General Statement
All financing terms are between the customer and Hearth’s lending partners. Durafy is not responsible for financing decisions, terms, or agreements.

For questions or concerns about these Terms & Conditions, please contact:

Durafy
Charlotte, NC
📧 hello@durafy.us
📞 +1-844-643-8899

Understanding Financing Options

Durafy offers a variety of financing options tailored to meet the diverse needs of customers in the construction sector. These options are designed to provide flexibility and affordability, ensuring that clients can choose the best plan that suits their financial situation.

For instance, customers can select from different loan amounts and terms, allowing them to manage their monthly payments effectively. Whether it's a small renovation or a large-scale construction project, Durafy aims to facilitate funding through accessible financing solutions.

Credit Impact and Financing Applications

When applying for financing through Durafy, it's essential to understand how the application process may impact your credit score. Lenders typically perform a hard credit inquiry, which can temporarily lower your credit score, depending on your overall credit profile.

It's advisable for potential borrowers to review their credit reports and scores before applying. By doing so, they can better prepare for the financing process and make informed decisions regarding their loan applications and potential impacts on their credit history.

Loan Terms and Conditions Explained

The loan terms provided by Durafy are crucial for understanding the financial commitment involved in financing a construction project. These terms include the loan amounts, repayment periods, and annual percentage rates (APRs), which vary based on individual creditworthiness.

For example, APRs can range from promotional rates of 0% to as high as 36.99%, depending on the lender's assessment of your credit profile. Additionally, loan terms can extend from 1 to 12 years, allowing customers to choose a repayment schedule that aligns with their financial capabilities.

Promotional Offers and Special Financing Options

Durafy frequently provides promotional offers that can significantly enhance the affordability of financing options for customers. These offers may include reduced APRs for a limited time or special terms for specific projects.

Customers are encouraged to inquire about current promotions when considering their financing options. Taking advantage of these limited-time offers can lead to substantial savings over the life of the loan, making it easier for clients to manage their construction financing effectively.