Home improvement loans for good and bad credit.

See personalized rates without affecting your credit score.

Benefits of our financing

Checking rates won’t affect your credit score

Funding in as little as 24 hours

Zero equity

Fixed monthly payments

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Financing for every credit situation

When should you consider a home improvement loanif you have bad credit? Fortunately, you aren’t stuck with a low credit score. By reducing your debt load and monitoring your spending, you can set yourself on the path toward repairing your credit.
Until then, however, it’ll be tough to find good rates that enable low monthly payments. That’s why, before looking for a home improvement loan with bad credit, you need to ask yourself: do I really need to take out a loan now?
Most of the time, the answer is probably no. Unless your project is urgent, you should wait to save cash or improve your credit score before beginning your remodel. 
You’ll avoid large interest payments and fees–setting yourself up to gain control of your financial situation.
Sometimes you have to remodel now even if you’d rather avoid a project.
Perhaps you found mold in your basement and now have to rip out the walls, or maybe your roof needs an emergency repair. 
In these cases, you can’t afford to wait to save cash or repair your credit. 
Finding the lowest rates possible becomes critical, although you should watch out for scams.

Personal loans options

If you have a credit score above 550, you may be able to pre-qualify for a personal loan. 
Personal loans have fixed monthly payments, letting you budget with certainty each month. They also don’t require any home equity.
Not all personal loan providers serve homeowners with bad credit. That’s why it’s important to shop around and try to get options from several lending providers.

Steps to apply for a Hearth loan

Hearth lets you compare rates from 17 different personal loan providers without affecting your credit score. 
Even if you have bad credit, you still may be able to find a home improvement loan through Hearth by following these steps:
  • Complete one secure loan request: We protect your information using the same level of encryption as your bank. Using Hearth is 100% free and won’t affect your credit score.
  • Compare rates: If you receive options, you’ll be able to compare them side by side to find the best deal.
  • Get a loan: Once you find an option you like, you’ll be able to continue your application with one of our lending partners and get a loan within 2 weeks.

We have partners that specialize in home improvement loans with bad credit, so we may be able to find you an option. However, unless your project is truly urgent, we recommend you wait until you can save cash or improve your credit score.

Once you have improved your credit score, you can apply for 0% introductory APR credit cards that you can use to finance your home improvement projects.
We also offer bad credit financing for AC repairs or roof replacements, visit the links to learn more.

Get started today

Hearth is a software company on a mission to accelerate the sales process of the American home improvement professional.

With access to quotes, invoices, contracts, financing, and digital payments. Contractors can get paid on time and grow their businesses faster than ever before.

To learn more about our software and how it can improve your sales process today. Call us today at (512) 686-4141 or email us at support@gethearth.com


Our lending partners

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  • universal