Check Rates in Under 2 Minutes

Use Hearth’s paperless secure form to check rates quickly without affecting your credit score.


Loans Typically Fund in 1-5 Days*

If approved, funding with one of Hearth’s lending partners is simple, with funds being deposited in as soon as 24 hours.
*Funding can be as soon as 24 hours and takes 3-5 days on average


Fixed Monthly Payments

Personal loans found on Hearth have fixed rates and terms. You'll know your monthly payments upfront.


0% PAR Financing Options Available

Eligible customers can pre-qualify for 0% credit cards which are a great option to finance large purchase items, such as a home improvement project. These credit cards offer up to a 18 month 0% APR introductory period.

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.

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