0% APR Financing Options Available (up to 14 months)

Eligible customers can pre-qualify for 0% credit cards which are a great option to finance large purchase items, such as a home improvement project. These credit cards offer up to a 14 month 0% APR introductory period.


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.

Get pre-qualified in 2 minutes (Does not affect credit score)

painting financing

Why Should I Get Financing Through Hearth?

Multiple financing options
They work with 13 lenders to find competitive personal loans and credit cards for your needs

Simple pre-qualification
The Hearth process takes less than 2 minutes and will not affect your credit score

Personalized options
Hearth’s lending partners can provide multiple options tailored to your needs

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.

*For each self-reported credit score range, pre-qualification 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