Secure competitive loan financing rates for your renovation or repair project

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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Should I get a personal loan?

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 to secure financing at Hearth

Get rates in minutes

Our short, secure form takes only a few minutes. It’s free and won’t affect your credit score.

Review your options

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

Choose your loan and start your project

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

financing - Best Contractor Estimating & Invoicing Software - Hearth


3–12 year
repayment periods

Typically lower rates than credit cards

Zero equity


Hearth doesn’t provide homeowners with loans directly. Hearth connects homeowners to a network of 18 lender partners looking to connect with homeowners to finance their projects so borrowers can break their project costs into monthly payments.

There are no prepayment penalties for borrowers who find loan options through Hearth. Paying a balance sooner than later means savings for homeowners.

Interest rates can start as low as 7.99% for personal loans, but the annual percentage rate (APR) depends on credit score, debt-to-income ratio, loan amount and other factors.

Hard inquiries may occur by a lender when you apply for a loan, credit card, or mortgage. They provide the lender with a detailed report of your credit history. They may have an impact on your credit score and usually stay on your credit report for up to two years. Soft inquiries usually occur during a pre-qualification or pre-approval. They provide the lender with a high-level summary of your credit report. They do not have an impact on your credit score.

Hearth’s prequalification application does not affect your credit score. However, once a homeowner applies for a loan directly with a lender, that can produce a hard pull to their credit, depending on the lender. A hard pull may impact your credit score.

Homeowners need to share their name, contact information, physical address, Social Security Number, and provide income verification. Also, a homeowner’s credit report must be unfrozen or unlocked.

Homeowners can see prequalification results for loans up to $250,000 and terms from 1 – 12 years.

Our lenders provide both secured and unsecured personal loans. Secured loans do require assets to be used as collateral, but unsecured loans would not. Access to unsecured loans is determined by several factors, including debt-to-income ratio and credit history. We suggest choosing the best plan for your household.

We estimate that homeowners can receive their funds anywhere between 2–7 days after their loan is approved.

There are benefits and drawbacks to any financing option. We suggest using Hearth to see your estimated monthly payment options. This will give you a clearer understanding of your buying power and help you discover what you’re willing to pay monthly.

We can fund a variety of home improvement projects. Our financing options can cover roofing, HVAC, plumbing, landscaping, swimming pools, and so much more. What ever your project is we have financing to help you.

Yes, if you are looking to renovate your house or make repairs, our network of lenders have options to help you cover the expenses. To learn more, go to our home repair loan page.

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