Flexible Financing Options Through Our Partner, Hearth
At X2N, we believe your outdoor living project shouldn’t have to wait. That’s why we’ve partnered with Hearth to offer fast, flexible financing solutions designed specifically for home improvement projects.
With Hearth, checking your rates takes just minutes and won’t affect your credit score. Homeowners can compare personalized offers from multiple lending partners and choose the option that works best for their budget.
Why Finance Your Outdoor Living Project?
Financing through Hearth makes it easier to move forward with your project when:
- You want to start now – Funding can be available in as little as 24 hours, with no long application process or costly appraisal fees.
- You don’t have home equity – Loans require zero equity, so you don’t need to borrow against your home.
- You prefer predictable payments – Enjoy fixed monthly payments and repayment terms ranging from 3 to 12 years.
- You want lower rates than credit cards – Personal loans typically offer lower rates than most credit cards.
Instead of delaying your dream outdoor space, financing allows you to spread project costs into manageable monthly payments.
How Hearth Financing Works
- Get rates in minutes – Complete a short, secure form online. It’s free and uses a soft credit inquiry, so your score won’t be impacted.
- Review your options – Compare personalized rates from Hearth’s network of 18 trusted lending partners.
- Choose your loan and start your project – Once approved, funds can be deposited into your bank account as soon as the next day.
Hearth does not lend directly. Instead, they connect homeowners with multiple lenders, giving you competitive options and control over your financing decision.
Trusted & Recognized
Hearth has been featured on major media outlets including CNBC, Fox News, and Today.

