Flexible Financing for Your Home Improvement Project

Make your project more manageable with convenient financing options and predictable monthly payments. Instead of paying for your entire project upfront, qualified homeowners can spread the cost over time without using their home equity.*

Simple, Convenient Financing

• Check Your Rate in Minutes: Complete Hearth’s secure, paperless pre-qualification process and check available rates quickly. Pre-qualification does not affect your credit score.
• Fast Funding: If approved, financing through one of Hearth’s lending partners can provide funds as soon as 24 hours. Most loans are funded within 3–5 days.**
• Predictable Monthly Payments: Personal loans available through Hearth feature fixed rates and terms, so you can know your monthly payment upfront and plan your budget with confidence.
• No Prepayment Penalties: Pay your loan off early without additional prepayment fees, giving you flexibility if your financial situation changes.
• Get Pre-Qualified in 60 Seconds: See what financing options may be available for your project without affecting your credit score.
  

What Is Hearth?

Hearth is a technology company that helps homeowners make informed financial decisions about home improvement projects. Hearth provides tools to help homeowners understand project costs and, when appropriate, connects them with financing options through its lending partners.

*All loans are subject to credit review and approval. For example, a $10,000 loan with an 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. Hearth is a technology company licensed as a broker where required by state law. Hearth does not accept applications for credit, make loans, or make credit decisions. NMLS ID# 1628533.