How does Hearth compare to other lenders?

Hearth doesn’t provide homeowners with loans directly. Hearth connects homeowners to a network of 18 lender partners looking to connect with homeowners to finance their projects so borrowers can break their project costs into monthly payments.

  • For homeowners who qualify, there are 0% introductory APR credit card options available. Terms range from 6–18 months.

How to secure financing at Hearth

  • Get rates in minutes

Our short, secure form takes only a few minutes. It’s free and won’t affect your credit score.


  • Review your options

Compare personalized rates from multiple lending partners to make sure you’re getting a great rate.


  • Choose your loan and start your project

Don’t wait on your dream home. Personal loans transfer funds into your bank account as soon as the next day.