Use Hearth's paperless secure form to check rates quickly without affecting your credit score.
If approved, funding with one of Hearth's lending partners is simple, with funds being deposited in as soon as 24 hours.
Personal loans found on Hearth have fixed rates and terms. You'll know your monthly payment upfront.
You can pay off the loan early with no additional fees.
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.
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 |
|---|---|---|---|---|---|---|
| Excellent 850-741 |
89% | 29 | 4.99%-19.07% | $1,000-$100,000 | 2-12 years | 8 |
| Good 681-740 |
80% | 19 | 10.54%-26.70% | $1,000-$100,000 | 2-12 years | 8 |
| Average 661-680 |
70% | 13 | 16.85%-34.83% | $1,000-$50,000 | 1-7 years | 9 |
| Poor 500-660 |
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
