Simple, fast loans for your home improvement project
We’ve teamed up with Hearth, the leader in home improvement financing, to find you competitive
loan options that save you money and get your project done right.
•Pre-qualification doesn’t affect your credit
•Low, fixed monthly payments
•Request up to $100,000
•Funding in as soon as 24 hours
•Avoid using home equity
•No prepayment penalties
How it works
- Complete a short online form: Just answer a few questions to see available rates without 1 affecting your credit score.
- Review loan options: If eligible, you’ll get personalized options from multiple lending 2 partners. You can then apply for your chosen loan.
- Get funded in as soon as 24 hours: If approved, you can get money in your account the next 3 day.
Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does
not accept applications for credit, does not make loans, and does not make credit decisions. Hearth works
with various lending partners to show customers available financing options; all loans subject to credit
See Loan Rates in 3 Easy Steps
1. Check your eligibility in 60 seconds
We protect your information using 256-bit encryption. Checking your rates will not affect your credit score.
2. Review your loan options
You’ll receive available financing options from several lending partners. Compare your options to find a great rate.
3. Get a loan as soon as tomorrow
When you find an option you like, you’ll be able to continue and apply for a loan through one of our lending partners.
•Comparing rates doesn’t affect credit score
•No home equity required
•No prepayment penalties
•Loan options up to $100,000
•Fixed monthly payments
What factors can affect my rates?
•Your credit score and history
•Your existing debt
When should you consider a personal loan?
You want to start your project now
Personal loans release funding as soon as 24 hours after your apply.
You need to pay an insurance deductible
Personal loans start as small as $1,000, so you can get a personal loan to cover the cost of your deductible.
You can’t access home equity
Your remodel isn’t over when your bank says no. Personal loans don’t require any home equity.
You want to upgrade your project
A personal loan can help you get a better roof than you could get through cash alone.
Q: What does “getting pre-qualified” mean?
After you answer a few questions, Hearth will send your information to its network of lending partners.
Within seconds, they will check your eligibility and show you available options. Seeing rates does not
affect your credit score. You can then submit a loan application with your chosen lending partner,
which will affect your credit report just like any loan application.
Q: What information do I need to apply?
Before applying for a loan option Hearth finds you, you’ll need access to a paystub, your W-2, or
another form of income verification.
Q: Why should I use Hearth instead of my credit card?
Interest rates on credit cards are often higher than those on loans you’ll find through Hearth.
Q: What kind of loans are available through Hearth?
Hearth’s lending partners offer personal loans. These loans have fixed monthly payments, terms that
are usually between 3 and 7 years, no home equity requirement, and no prepayment penalties.
Q: When is my first payment due?
Your first payment will be due a month after getting a loan.
Q: How do I make payment on the loan?
You can pay your chosen lending partner by logging into their website and making a quick payment.