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Whether you’re looking to create a new space, remodel a bathroom or your kitchen, or any other special project, it’s important to pick the right financing option.

Picking the right financing option gives you several benefits:

  • Savings on your project: Different loans can have major differences in interest and fees. Picking the right option could save you thousands of dollars./li>
  • Manageable monthly payments for your project: It’s important to pick a financing option that won’t blow a hole in your monthly budget.
  • No one-time hit to your bank account: You may have the income to responsibly finance your home renovation, but want to avoid a large one-time hit to your bank account. Financing can help you spread out your project’s costs, but you’ll have to pay interest and fees.


What rates should I expect?

Installment loans have predictable monthly payments, and can be funded quickly. Hearth’s lending partners consider factors such as income, FICO score, credit history, outstanding debt, and the loan amount requested when determining these rates. Hearth has 3 rate plans that let you know what to expect when you request rates. You’ll likely see options with APRs in the ranges listed below, but may receive options with lower or higher APRs.


*For each self-reported credit score range, pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users who
submitted a loan request.
**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualified users
with minimum APRs between the 10th and 75th percentiles.
***For example, a loan in the amount of $10,000 for a term of 5 years with an APR of 6.00% would be repaid over 60 monthly payments in the amount of $193.33.

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* All loans are subject to credit review and approval. For 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.
** Funding can be as soon as 24 hours and takes 3-5 days on average.
Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make
credit decisions. NMLS ID# 1628533.