Project Financing

0% APR financing options available

Break Your Project Into Predictable Monthly Payments

Pay for your project with predictable, monthly payments without tapping into your home equity.*
  • Check rates in under 2 minutes

    Check rates in under 2 minutes

    Use Hearth’s paperless secure form to check rates quickly without affecting your credit score.

  • Loans typically fund in 1-5 days**

    Loans typically fund in 1-5 days**

    If approved, funding with one of Hearth’s lending partners is simple, with funds being deposited in as soon as 24 hours.

  • Fixed monthly payments

    Fixed monthly payments

    Personal loans found on Hearth have fixed rates and terms. You'll know your monthly payments upfront.

  • No prepayment penalties

    No prepayment penalties

    You can pay off the loan early with no additional fees.

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See your personalized options

$1,000 to $100,000 · 2 to 12 years
  • 60 second pre-qualification
  • Does not affect credit score
0% APR

0% apr financing options available

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 14 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* Est. APR Range** Loan amount Loan term*** Lending partners
Credit range Excellent: 700 - 850 FICO Pre-qualification rate* 88% Est. APR Range** 4.99% - 15.24% Loan amount $1,000 - $100,000 Loan term*** 2 - 12 years Lending partners 8
Credit range Good: 640 - 700 FICO Pre-qualification rate* 64% Est. APR Range** 15.85% - 29.09% Loan amount $1,000 - $100,000 Loan term*** 1 - 7 years Lending partners 8
Credit range Building: below 640 FICO Pre-qualification rate* 37% Est. APR Range** 22.48% - 34.70% Loan amount $1,000 - $50,000 Loan term*** 1 - 5 years Lending partners 8