Pay for your project with predictable, monthly payments without tapping into your home equity.*
Use Hearth’s paperless secure form to check rates quickly without affecting your credit score.
If approved, funding with one of Hearth’s lending partners is simple, with funds being deposited in as soon as 24 hours.
Personal loans found on Hearth have fixed rates and terms. You’ll know your monthly payments upfront.
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.
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 Range | Pre-Qualification Rate | Est. APR Range | Loan Amount | Loan Term | Lending Partners |
|---|---|---|---|---|---|
| Excellent: 700 – 850 FICO | 88% | 4.99% – 15.24% | $1,000 – $100,000 | 2 – 12 years | 8 |
| Good: 640 – 700 FICO | 64% | 15.85% – 29.09% | $1,000 – $100,000 | 1 – 7 years | 8 |
| Building: below 640 FICO | 37% | 22.48% – 34.70% | $1,000 – $50,000 | 1 – 5 years | 5 |
* 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.