Break your project into predictable monthly payments.

Pay for your project with predictable, monthly payments without tapping into your home equity.*

See your personalized options:

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 18 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. 

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 Range Pre-qualification rate* Avg. # of Offers Received Est. APR Range** Loan amount**** Loan term***** Lending partners
89% 29 4.99%-19.07% $1,000-$100,000 2-12 years 8
80% 19 10.54%-26.70% $1,000-$100,000 2-12 years 8
70% 13 16.85%-34.83% $1,000-$50,000 1-7 years 9
58% 7 20.50%-36.99%*** $1,000-$50,000 1-5 years 10

*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.
**The estimated Minimum APR range is calculated based on data available from Jan 2020-Mar. 2021. The Est. Max APR is calculated using 1 STD to the Avg. APR from the aforementioned time period. The range may change from time to time based on our lending partners’ feedback. The APR for a consumer may deviate from this estimated APR range as the APR is provided by the lending partners and is based on the consumer’s entire credit history.
*** In our calculation of the Est. APR range for the Poor Credit range, we exclude APR from our second look lenders.
****Loan amount: lenders determine loan amount based on entire credit history, annual income, and debt to income ratio
***** Loan Term: For example, a loan in the amount of 10,000 for a term of 5 years with an APR of 6% would be repaid over 60 monthly payments in the amount of $193.33

Figueroa Electric - Boston

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