Your Dream Project Should Not Wait.
We offer flexible financing options so you can get started today.
- Takes only a few minutes
- No obligation
- No credit-score impact to check
How It Works
Tell Us About Your Project
Request a free property assessment or speak with our team about the restoration, repair, or renovation work you are considering.
Check Your Options Through Hearth
Complete Hearth’s short and secure prequalification form. The process takes only a few minutes and uses a soft credit inquiry that does not affect your credit score.
Compare Personalized Offers
Review available loan options from Hearth’s network of lending partners, including estimated monthly payments, interest rates, repayment terms, and total costs.
Select the Option That Works for You
Choose whether to proceed with an offer. Final approval, loan terms, and the distribution of funds are handled according to the selected lender’s requirements.
Hearth by the Numbers
Statistics are reported by Hearth and may change as its platform and lender network grow.
In home-improvement jobs funded through Hearth
Home-improvement professionals using Hearth
Lending partners offering potential financing options
Common questions
Does checking my financing options affect my credit score?
No. Hearth uses a soft credit inquiry during prequalification, which does not affect your credit score. A participating lender may perform a hard credit inquiry if you select an offer and submit a final application.
How quickly can I see financing options?
The initial form takes only a few minutes, and many applicants can view potential prequalification results shortly afterward. Final approval and funding times vary by lender.
Hearth estimates that funds may be received approximately two to seven days after final loan approval, although actual timing is not guaranteed.
Is there a cost to check my options?
Hearth states that its initial rate-checking process is free. However, APR, interest charges, lender fees, and other costs depend on the offer you select. Carefully review the lender’s complete terms before accepting financing.
What happens if I do not qualify?
You are under no obligation to proceed. Our team can discuss alternative project scopes, phased construction, scheduling options, or other potential ways to move your project forward.
How much can I apply for?
Hearth advertises potential financing options of up to $250,000. The amount available to you will depend on factors such as your credit history, income, debt-to-income ratio, requested amount, and lender requirements.