Secure competitive loan financing rates for your renovation or repair project
See personalized rates without affecting your credit score.
Benefits of our financing
Checking rates won’t affect your credit score
Funding in as little as 24 hours
Zero equity
Fixed monthly payments
Hearth, as seen on
Should I get a personal loan?
You need to remodel now
Personal loans release funding as soon as 24 hours after you apply. No long application process or hefty appraisal fees.
You don’t have home equity
Your remodel isn’t over when your bank says no. Personal loans have fixed rates and don’t require any home equity.
You are short on cash
Saving cash can take years, but personal loans release funding fast. These loans often have lower rates than cards.
How to secure financing at Hearth
Get rates in minutes
Our short, secure form takes only a few minutes. It’s free and won’t affect your credit score.
Review your options
Compare personalized rates from multiple lending partners to make sure you’re getting a great rate.
Choose your loan and start your project
Don’t wait on your dream home. Personal loans transfer funds into your bank account as soon as the next day.
Features
3–12 year
repayment periods
Typically lower rates than credit cards
Zero equity
required
FAQs
How does Hearth compare to other lenders?
Hearth doesn’t provide homeowners with loans directly. Hearth connects homeowners to a network of 18 lender partners looking to connect with homeowners to finance their projects so borrowers can break their project costs into monthly payments.
Is there a prepayment penalty?
There are no prepayment penalties for borrowers who find loan options through Hearth. Paying a balance sooner than later means savings for homeowners.
What are your interest rates?
Interest rates can start as low as 7.99% for personal loans, but the annual percentage rate (APR) depends on credit score, debt-to-income ratio, loan amount and other factors.
What is the difference between a hard and soft inquiry?
Hard inquiries may occur by a lender when you apply for a loan, credit card, or mortgage. They provide the lender with a detailed report of your credit history. They may have an impact on your credit score and usually stay on your credit report for up to two years. Soft inquiries usually occur during a pre-qualification or pre-approval. They provide the lender with a high-level summary of your credit report. They do not have an impact on your credit score.
Will this affect my credit score?
Hearth’s prequalification application does not affect your credit score. However, once a homeowner applies for a loan directly with a lender, that can produce a hard pull to their credit, depending on the lender. A hard pull may impact your credit score.
What information do I need to apply for a loan?
Homeowners need to share their name, contact information, physical address, Social Security Number, and provide income verification. Also, a homeowner’s credit report must be unfrozen or unlocked.
How much can I apply for?
Homeowners can see prequalification results for loans up to $250,000 and terms from 1 – 12 years.
Is collateral required?
Our lenders provide both secured and unsecured personal loans. Secured loans do require assets to be used as collateral, but unsecured loans would not. Access to unsecured loans is determined by several factors, including debt-to-income ratio and credit history. We suggest choosing the best plan for your household.
How quickly can I get a home improvement loan?
We estimate that homeowners can receive their funds anywhere between 2–7 days after their loan is approved.
Is a loan better than using a credit card?
There are benefits and drawbacks to any financing option. We suggest using Hearth to see your estimated monthly payment options. This will give you a clearer understanding of your buying power and help you discover what you’re willing to pay monthly.
What industries do you offer loans for?
We can fund a variety of home improvement projects. Our financing options can cover roofing, HVAC, plumbing, landscaping, swimming pools, and so much more. What ever your project is we have financing to help you.
Do you offer loans for home repairs or renovations?
Yes, if you are looking to renovate your house or make repairs, our network of lenders have options to help you cover the expenses. To learn more, go to our home repair loan page.