Can you finance a fireplace?
Yes. Steady Flame offers financing on new installations for qualified buyers, subject to credit approval, through Wells Fargo. It covers the whole installed project — appliance, venting, gas line, permit, labor — not just the unit. And because our in-home estimates are free, you'll know your exact number before you ever fill out an application.
How financing works here
The sequence is simple. We start with a free in-home assessment — we measure the space, look at your venting options and fuel situation, and quote the complete installed project. If you want to finance, you apply through Wells Fargo from the link on our financing page; approval and terms come from the lender, based on your credit. Financing applies to new installations — a gas fireplace, an insert, a wood stove, a conversion. Repairs and maintenance visits are straightforward pay-as-you-go, and most repairs are inexpensive parts and quick labor anyway.
Why financing the whole project beats financing a box
A fireplace isn't one purchase — it's an appliance plus venting plus, usually, a licensed gas line plus a county permit and inspection. A gas fireplace installation typically runs $3,500–$8,000 installed depending on the unit, the venting, and how far the gas line has to travel, so one application covering the complete scope keeps the project whole. It also keeps one licensed company accountable for everything from the flame to the fuel — our lane and no one else's. That matters more than people expect: the gas-line leg of the project is the part a showroom can't legally do for you in North Carolina.
An honest word before you borrow
We'd rather get you the right appliance than the most expensive one, and that goes double when financing is involved. If a Heatilator Novus nXt 36 fits your room and your budget, we will not steer you toward a Mendota because the monthly payment makes it feel painless. The right appliance beats the priciest one every time. Call (828) 545-0525 or visit the Asheville showroom, get the free estimate, and decide with a real number in hand.
Related questions
- Do fireplace stores offer payment plans or 0% financing?
- Should I use a HELOC or home improvement loan to pay for a fireplace project?
- How much should I budget all-in for a complete fireplace project?
- How much does a gas fireplace cost installed?
- How much of a deposit do fireplace companies require, and when is the rest due?
- How much does a direct vent gas fireplace cost?
Still deciding? Talk to a real installer.
Free assessments across Western North Carolina — no pressure, straight answers.