Financing made simple and stress free
Get the funding you need to start your dream project today. No impact on your credit score to explore your options!
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Why Choose Hearth for Financing?
No Credit Impact
Prequalify with a "soft" credit check—compare offers without affecting your credit score.
No Pre-Payment Fees
Pay off your loan early without any additional charges.
Fast Funding
Receive your funds in as little as 1–5 business days.
Financing Made Simple
What Makes Their Financing Stand Out?
Flexible Loan Amounts
Choose a loan amount that fits your project. Borrow as little as $1,000 or as much as $100,000.
Customizable Payment Plans
Work with lenders to create payment schedules that match your budget and timeline.
"Hearth made financing simple and stress-free. I got the funds I needed in no time!"
Frequently Asked Questions
Does checking my rate affect my credit score?
- No, prequalification involves a "soft" inquiry that won't affect your credit score
Can I pay off my loan early without penalties?
- Yes, all of Hearth's lenders have no pre-payment fees, so you can pay off your loan anytime without additional charges.
How do lenders evaluate my application?
- Lenders consider factors like your credit history, debt-to-income ratio, income, and expenses to determine your eligibility and loan terms.
Can I add a co-borrower?
Yes, adding a co-borrower can improve your chances of approval and may lower your APR. Both parties will sign the agreement and share liability.