Financing Available


Pay for your project with predictable, monthly payments without tapping into your home equity.*

Check rates in under 2 minutes

Use Hearth’s paperless secure form to check rates quickly without affecting your credit score.

Loans typically fund in 1-5 days**

If approved, funding with one of Hearth’s lending partners is simple, with funds being deposited in as soon as 24 hours.

Fixed monthly payments

Personal loans found on Hearth have fixed rates and terms. You’ll know your monthly payments upfront.

No prepayment penalties

You can pay off the loan early with no additional fees.

$1,000 to $100,000 – 2 to 12 years

Eligible customers can pre-qualify for 0% credit cards which are a great option to financelarge purchase items, such as a home improvement project. These credit cards offer up to a14 month 0% APR introductory period.

What rates should I expect?

Installment loans have predictable monthly payments, and can be funded quickly. Hearth’slending partners consider factors such as income, FICO score, credit history, outstandingdebt, and the loan amount requested when determining these rates.

Hearth has 3 rate plans that let you know what to expect when you request rates. You’ll likelysee options with APRs in the ranges listed below, but may receive options with lower or higher APRs.

Credit RangePre-Qualification RateEst. APR RangeLoan AmountLoan TermLending Partners
700 – 850 FICO
88%4.99% – 15.24%$1,000 – $100,0002 – 12 years8
640 – 700 FICO
64%15.85% – 29.09%$1,000 – $100,0001 – 7 years8
below 640 FICO
37%22.48% – 34.70%$1,000 – $50,0001 – 5 years5

* All loans are subject to credit review and approval. FOr example, a $10,000 loan with APR of 14.50% and a term of 36 months would have a monthly payment of $344.21.
** Funding can be as soon as 24 hours and takes 3 – 5 days on average.