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 little 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 RangePre-qualification rate*Est. APR Range**Loan amountLoan term**Lending partners
Excellent:
700 – 850 FICO
88%4.99% – 15.24%$1,000 – $100,0002 – 12 years8
Good:
640 – 700 FICO
64%15.85% – 29.09%$1,000 – $100,0001 – 7 years8
Building:
below 640 FICO
37%22.48% – 34.70%$1,000 – $50,0001 – 5 years5

700 – 850 FICO

Prequalification rate*:  88%
Est. APR range**:  4.99% – 15.24%
Loan amount:  $1,000 – $100,000
Loan term**:  2 – 12 years
Lending partners:  8

640 – 700 FICO

Prequalification rate*:  64%
Est. APR range**:  15.85% – 29.09%
Loan amount:  $1,000 – $100,000
Loan term**:  1 – 7 years
Lending partners:  8

Below 640 FICO

Prequalification rate*:  37%
Est. APR range**:  22.48% – 34.70%
Loan amount:  $1,000 – $100,000
Loan term**:  1 – 5 years
Lending partners:  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.