Personal loans may be offered with a range of APRs depending on your credit and other factors. Hearth is not a lender, and this page does not constitute an offer to lend. Hearth in no way guarantees acceptance into any particular loan offer or specific terms and conditions of a loan offer, as these are the exclusive decisions of our lending partners. Likewise, we do not guarantee that the terms, rates or any financial measure placed on a loan offer and made available by any lending partner are the best terms or lowest rates or other measure available in the market. APRs through our lending partners range from 5.7% to 36.00% for first-time borrowers, with the lowest rates for the most creditworthy borrowers. For example, a three year $10,000 loan with a rate of 5.99% APR would have 36 scheduled monthly payments of $302. A five year $10,000 loan with a rate of 9.68% APR would have 60 scheduled monthly payments of $201. Your actual rate may vary.

Any response by or loan offer made by or associated with a lending partner may be subject to market conditions, approval and qualification. The rates and fees provided by or associated with a lending partner may be higher or lower depending on your complete credit profile and the terms and conditions of a relevant offer. For the avoidance of doubt, final loan offer rates and fees are a matter between you and the lending partner, and are not determined by, nor the responsibility of, Hearth. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.