Question 1

Can you finance a paver driveway or patio?

Accepted Answer

Yes. We partner with Hearth, which matches you against a panel of lenders for home improvement projects. You check your rate in a few minutes and it does not affect your credit score — that only happens later if you choose to proceed with a specific lender. The financing is between you and the lender; we are paid as normal, so nothing about how we quote or build the job changes.

Question 2

Does checking my rate affect my credit score?

Accepted Answer

No. The initial check is a soft enquiry and leaves no mark on your credit file. A hard credit pull only happens if you go on to formally accept an offer from a lender, and you would be told clearly before that point.

Question 3

What rate and terms will I get?

Accepted Answer

That depends on your credit profile, the amount and the term you choose — which is why we do not publish a single rate. Hearth shows you the offers you actually qualify for so you can compare them side by side. Some homeowners qualify for promotional low-rate or deferred-interest terms; others do not. The honest answer is that you will see your own numbers in a few minutes rather than ours.

Question 4

Should I finance rather than reduce the scope of the job?

Accepted Answer

Often, yes — and this is the reason we offer it. The most common way a paver project gets cheaper is invisible: less excavation, a thinner aggregate base, one pass of the compactor instead of building up in lifts. That surface looks identical on handover day and starts moving at the edges around year three. If the choice is between building the full scope properly over monthly payments or building a compromised version outright, we would rather you had the first option.

Question 5

Can I finance part of a project and stage the rest?

Accepted Answer

Yes, and on larger properties that is often the sensible route. We quote the full job and the phased version side by side so you can see the real difference — phasing costs slightly more in total because mobilising twice is not free, and we show you that rather than hide it. Financing simply gives you a third option alongside those two.

Question 6

Do you mark up the price for financed jobs?

Accepted Answer

No. The quote is the same whether you pay outright or through a lender, and the price on your written quote is the price on the invoice either way. We do not run a separate cash price.

Question 7

What size projects can be financed?

Accepted Answer

Hearth handles the full range we work in, from a single front walkway through to multi-surface projects spanning driveways, pool decks and patios. Once you have your written quote from us, you will know the exact figure to check against.

Build it properly now.
Pay for it monthly.

Financing is not a discount. It is a way to avoid one.

The base stays as specified

Materials stay as recommended

The whole surface gets done

Four steps, quote first.

Get the written quote first

Check your rate

Compare the offers

We build the job as quoted

Paver financing — answered.

Ready to Do It
Properly?

Build it properly now.Pay for it monthly.