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Hearth Financing

Break your project into predictable monthly payments

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.

What rates should I expect?

Installment loans have predictable monthly payments, and can be funded quickly. Hearth’s lending partners consider factors such as income, FICO score, credit history, outstanding debt, 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 likely see options with APRs in the ranges listed below, but may receive options with lower or higher APRs.

Credit Range

  • Excellent: 700 - 850 FICO
  • Good: 640 - 700 FICO
  • Building: below 640 FICO

Pre-qualification rate

  • 88%
  • 64%
  • 37%

Est. APR Range

  • 4.99% - 15.24%
  • 15.85% - 29.09%
  • 22.48% - 34.70%

Loan amount

  • $1,000 - $100,000
  • $1,000 - $100,000
  • $1,000 - $50,000

Loan term

  • 2 - 12 years
  • 1 - 7 years
  • 1 - 5 years

Lending partners

  • 8
  • 8
  • 5