0% APR financing options available
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 payments 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 14 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*||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|