Check without affecting your score
Hearth says checking personalized options uses a soft credit inquiry. Choosing to apply with a lender may require a hard inquiry.
Flexible Payment Options
Build the Space Now.Explore Monthly Options.
JBS works with Hearth to help homeowners compare personalized financing options from third-party lending partners. Check your options without affecting your credit score at the prequalification stage.
Hearth is a third-party technology company and broker, not a lender. Approval and terms are not guaranteed.
Soft-credit prequalificationMultiple lending partnersNo obligation to proceedPersonalized options
Financing Through Hearth
A clearer way to plan your project.
Financing can turn a large project total into a monthly payment structure. Hearth helps you compare personalized options while JBS remains focused on designing and building your Coast Studio.
Compare lending options
Review personalized options from Hearth's network of third-party lending partners rather than relying on a single lender.
Plan around a monthly budget
Explore fixed monthly payment options that may help you move forward without paying the entire project cost at once.
Coast Studios Affordability
Start with the studio. Then find your payment.
These starting prices apply to the pre-built Hardie Lap configurations shown beside each price. Each payment illustration finances only that starting configuration. Sales tax, delivery, installation, a trailer, bathroom, optional add-ons, and separately quoted electrical pedestal or energy systems are not included in these examples.
Installation service is available within 60 driving miles of our production facility, subject to site access and project review. Projects outside that area are considered individually. Delivery and installation are quoted separately.
| Model | Starting price | Starting configuration | Monthly planning | Next step |
|---|---|---|---|---|
| The Coast | $31,975Price doesn't include sales tax | 8×10 ft · Hardie Lap · Pre-built | Est. $687.11/mo* | Check options |
| The Saltbox | $33,030Price doesn't include sales tax | 10×8 ft · Hardie Lap · Pre-built | Est. $709.78/mo* | Check options |
| The Modern | $32,640Price doesn't include sales tax | 8×10 ft · Hardie Lap · Pre-built | Est. $701.40/mo* | Check options |
| The Craftsman | $35,555Price doesn't include sales tax | 8×10 ft · Hardie Lap · Pre-built | Est. $764.04/mo* | Check options |
Representative payment assumptions
Each example assumes $0 down and 60 equal monthly payments at 10.49% APR. The amount financed is the pre-built Hardie Lap starting price shown in that row, not a complete project quote. Site installation, delivery, site work, selections, engineering, permits, taxes, lender fees, and other project costs are not included. Trailer, bathroom, and electrical-pedestal costs are also excluded.
The Coast: Amount financed $31,975.00; 60 payments of $687.11; total of payments $41,226.54; estimated finance charge $9,251.54.
The Saltbox: Amount financed $33,030.00; 60 payments of $709.78; total of payments $42,586.79; estimated finance charge $9,556.79.
The Modern: Amount financed $32,640.00; 60 payments of $701.40; total of payments $42,083.95; estimated finance charge $9,443.95.
The Craftsman: Amount financed $35,555.00; 60 payments of $764.04; total of payments $45,842.37; estimated finance charge $10,287.37.
Compact estimates elsewhere on this site are rounded up to the next whole dollar for planning. These examples are not offers of credit. Actual APR, payment, term, amount, fees, and eligibility vary by lender and applicant.
The configurator prices your selected size, orientation, siding, and delivery method. Different selections may change your estimate. Starting prices apply to the listed pre-built Hardie Lap configurations only, without a trailer or bathroom. Other sizes, layouts, siding, and options may change the price. Panelized pricing remains quote-required; assembly details are confirmed separately. JBS confirms your complete configuration, scope, and final project price in a written quote.
Starting prices are for the listed pre-built Hardie Lap studios only, without a trailer or bathroom. Price doesn't include sales tax. Delivery and site installation are additional and quoted separately. Optional add-ons, including an electrical pedestal, solar, and Power + Enclosure systems, require separate scope and pricing. Final project pricing may also vary by site access, site work, selections, engineering, permits, and lender fees. Installation service is available within 60 driving miles of our production facility, subject to site access and project review. Projects outside that area are considered individually. Delivery and installation are quoted separately.
How It Works
Design and financing can move together.
You do not need financing in place before you explore. Start by defining the studio you want, then compare payment options once the project budget becomes clearer.
Design Your Studio in 3DChoose your Coast Studio
Compare the four models or use the 3D configurator to shape your studio and establish a realistic project budget.
Review the project with JBS
JBS confirms your location, access, selected options, site needs, and the final project scope before construction.
Check personalized options
Use the JBS-branded Hearth experience to compare options from third-party lending partners without affecting your credit score at the prequalification stage.
Choose what works for you
If you receive an option you want, you apply and complete the process directly with that lender. Financing is never required to work with JBS.
Financing FAQs
Questions before you check.
No. JBS is not a lender and does not make credit decisions. Hearth is a technology company and broker that connects homeowners with third-party lending partners. Any loan agreement is between you and the lender you select.
When You're Ready
See the options available to you.
Hearth's short prequalification experience can show personalized options without affecting your credit score. You are not obligated to accept an offer or move forward with a JBS project.
Financing options are offered by third-party lending partners through Hearth. Hearth is a technology company and broker, not a lender, and does not make credit decisions. Checking personalized options through Hearth uses a soft credit inquiry and does not affect your credit score. If you choose to apply with a lender, a hard credit inquiry may be required. Approval, rates, terms, and funding are not guaranteed and vary by applicant, lender, loan amount, and other factors.
The Hearth application is hosted on a third-party website. Review Hearth's terms and privacy information before providing personal data. Financing is optional and is not a condition of purchasing from JBS.