Urgent home improvement and repair financing

See your personalized rates in 60 seconds without affecting your credit score.

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Checking rates won’t affect your credit score

Funding in as little as 24 hours

Zero equity

Fixed monthly payments

Hearth, as seen on

When is a personal loan right for me?

You need to remodel now

Personal loans release funding as soon as 24 hours after you apply. No long application process or hefty appraisal fees.

You don’t have home equity

Your remodel isn’t over when your bank says no. Personal loans have fixed rates and don’t require any home equity.

You are short on cash

Saving cash can take years, but personal loans release funding fast. These loans often have lower rates than cards.

How does Hearth work?

Get rates in 60 seconds

Our short, secure form takes 60 seconds. It’s free and won’t affect your credit score.

See what you can afford

Compare personalized rates from multiple lending partners to make sure you’re getting a great rate.

Pick the perfect loan

Don’t wait on your dream home. Personal loans transfer funds into your bank account as soon as the next day.

What is a personal loan?

3-7 year
repayment periods*

Typically lower rates than credit cards1

Zero equity
required

Our lending partners

* All loan information is presented without warranty, and estimated APR and other terms are not binding. Hearth’s lending partners generally present a range of APRs (for instance, from 5% to 35.99%) with a range of terms and monthly payments. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Actual APRs will depend on factors like credit score, loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest APRs. All loans are subject to credit review and approval.
Hearth is a technology company, which is licensed as a broker as may be required by state law. NMLS ID# 1628533 |NMLS Consumer Access. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions; this site does not constitute an offer or solicitation to lend. All insurance services are provided by Hearth Home Insurance Solutions, Inc. Hearth may be compensated by third-party advertisers.1. For borrowers with excellent credit, personal loan rates often range from 5.9% to 12%. The average credit card APR as reported by CreditCards.com on 5/19/2017 is 15.79%.