Financing
Fund your project as soon as tomorrow.
Break your project into fixed monthly payments without tapping into your home equity. See your personalized monthly payment options within minutes and without affecting your credit score.
Loans funded in 1-5 days. If approved, funding can be deposited in as soon as 24 hours. Request anywhere from $1,000-$100,000.
Affordable, fixed monthly payments. You’ll know your fixed, monthly payments upfront.
Get pre-qualified from 500-850 credit score. Use Hearth’s online form to check rates in as little as two minutes without affecting your credit score.
No prepayment penalties. You can pay off the balance early with no additional fees.
No home equity required. Zero-equity loans have a rapid application and approval process compared to home equity loans.
Ready to see your monthly rate?
Financing FAQ
Q. Will getting prequalified affect my credit?
No, when you complete the pre-qualification form, lenders perform a soft credit check. This allows you to compare lender offerings without affecting your credit score.
Q. Can I pay off the balance early without penalties?
Yes, all 13 lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.
Q. How soon will I get the money after being approved?
You can usually expect to receive your money in as little as 1-5 business days.
Q. What is the minimum loan amount?
In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth’s lenders only make loans of $2,000 or greater.
Q. How is APR determined for prequalified offers?
Lenders look at many factors, including your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.
Q. If I take out a loan, can I delay the funding until my project begins?
Most of our lenders do not offer delayed funding, but please confirm with your chosen lender. For instance, at least one Hearth lender allows you to schedule the deposit 45 days after approval.
Q. Can I finance more or less than the exact cost of my project?
Yes, of course! Hearth’s offers page will display a range of loan options, so you can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.
Q. When is a good time to add a co-borrower?
Consider adding a co-borrower if you do not qualify for a loan or would like to see possibly lower APRs. You and the co-borrower would both sign the loan agreement and be liable for the loan.
Q. Will I need to verify my income?
Yes, Hearth’s lending partners require that applicants provide information to prove the source of the income they state.
Q. If I don’t see offers, can I try again with a co-borrower?
Yes, if you did not see offers, you can fill out the pre-qualification form again and add a co-borrower. Adding a co-borrower may help you qualify for a loan or qualify for lower interest rates.