Our Financing

Yes, all 13 of our lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.

An unsecured loan is not linked to a specific piece of property (“collateral”) that the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, in contrast, always has some form of collateral, like a car or a house of which the lender can take possession in the event of default.

Lenders look at many factors, including as your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.

You can usually expect to receive your money in as little as 1-5 business days.

In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth’s lenders only make loans of $2,000 or greater.

Yes, of course! Hearth’s offers page will display a range of loan options, so you can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.

Consider adding a co-borrower if you do not qualify for a loan or would like to see possibly lower APRs. You and the co-borrower would both sign the loan agreement and be liable for the loan.

Yes, Hearth’s lending partners require that applicants provide information to prove the source of the income they state.