FINANCING
What is Hearth?
Hearth helps homeowners make smart financial decisions about their home improvement projects. We connect homeowners to financing options that meet the needs of almost any project, and we get it done quickly so you can get on with the job.
Applying is easy!
Financing Calculator
Get pre-approved without affecting your credit score.
Finance your entire renovation or just your insurance claim deductible - see offers and get pre-approved without affecting your credit score
Contact Us
Affordable payment options
for any home improvement project
How it works
Pay for your project with predictable monthly payments without tapping into your home equity.
Check rates in less than 2 minutes
Loans typically fund in 1-5 days
Fixed monthly payments
No prepayment penalties
Pick the Perfect Loan
With a personal loan, the funds can be in your bank account as soon as the next day. Based on a loan principle of $12,500 over 60 months at an APR of 6.99%.
$248
monthly payment
What Rates Should I Expect?
| Credit Range | Pre-qualification rate | Est. APR Range | Loan amount | Loan Term | Lending Partners |
|---|---|---|---|---|---|
| Excellent: 850-741 | 89% | 6.99% -19.07% | $1,000 - $250,000 | 2- 12 years | 8 |
| Good: 740-681 | 80% | 10.54% - 26.70% | $1,000 - $250,000 | 2 - 12 years | 8 |
| Average: 680-661 | 70% | 16.85% - 34.83% | $1,000 - $100,000 | 1-7 years | 9 |
| Poor: 660-550 | 58% | 20.50% - 36.99% | $1,000- $50,000 | 1-5 years | 10 |
What Homeowners Are Saying About Hearth
★★★★★
"I was able to do this over the Internet in less than 30-mins. Very convenient."
— Robert
★★★★★
"In about two hours after applying, I was approved for a loan with Hearth. Thank you for your help!"
— Robin
★★★★★
"It was a great experience... there were no surprises when my credit was pulled. Thank you!"
— Tom
What Is a Personal Loan?
3-7 year repayment periods
Typically lower rates than credit cards
Zero equity required
