Home Improvement Financing Available

NEW ROOF Payments as low as $100/month!

Our 3rd party partnership means you can finance the roof you want and need! Quick, easy, and no early payment penalty. Co-signers are welcome.

Break your project into predictable monthly payments

See potential monthly payment plans in 60 seconds without affecting your credit score.

Start your project soon
→ Funding usually within 1-3 business days
Budget responsibly
→ Fixed monthly payments and no prepayment penalties
See eligibility without financial consequences
→ Pre-qualifying through Hearth doesn’t affect your credit score

How does it work?

1. Complete the loan request. CLICK HERE

Just answer a few questions to see available rates without affecting your credit score.

2. Review available payment options

You’ll see available personalized monthly payment options for your project. You can choose which one best suits your needs apply with the specific lending partner.

3. Get funded:

If approved, you will typically get the funds in your account within 1-3 business days. You’ll be able to pay your contractor and start the project!

What rates should I expect?

Hearth’s lending partners consider factors such as income, FICO score, credit history, outstanding debt, and the loan amount requested when determining pre-qualification and rates for financing.

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

Credit Plan	Excellent: 700 – 850 FICO	Good: 640 – 700 FICO	Building: Below 640 FICO
Pre-qualification rate*	90%	70%	39%
Est. APR Range**	5.34% – 16.30%	13.00% – 26.87%	19.95% – 30.61%
Loan amount	$1,000 – $100,000	$1,000 – $100,000	$1,000 – $50,000
Loan term***	1 – 10 years	1 – 7 years	1 – 5 years
Lending partners	13	11	5

*For each self-reported credit score range, pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users who submitted a loan request.
**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualified users with minimum APRs between the 10th and 75th percentiles.
***For example, a loan in the amount of $10,000 for a term of 5 years with an APR of 6.00% would be repaid over 60 monthly payments in the amount of $193.33.

Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions. Hearth works with various lending partners to show customers available financing options; all loans subject to credit approval. Hearth is available nationwide, other than in Maryland, Nevada, North Dakota and Vermont.

Is a loan through Hearth right for me?

Predictable monthly payments with fixed rates
Fast funding for a “can’t wait” project
Financing without using home equity

Financing FAQs:

What kind of loans are available through Hearth? Hearth’s lending partners offer installment loans. These loans have fixed monthly payments, terms that are usually between 3 and 7 years, no home equity requirement, and no prepayment penalties.

What does “getting pre-qualified” mean? After you answer a few questions, Hearth will send your information to its network of lending partners. Within seconds, they will check your eligibility and show you available options. Seeing rates does not affect your credit score. You can then submit a loan application with your chosen lending partner, which will affect your credit report just like any loan

application.

What rates should I expect? Installment loans have interest rates to enable quick funding and predictable payments. 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 what to expect when you pre-qualify. You’ll likely see options with APRs in the ranges listed in the chart above, but may receive options with lower or higher APRs.

FINANCING