Break your project into predictable
tapping into your home equity.*
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.
Fixed monthly payments
Personal loans found on Hearth have fixed rates and terms. You’ll know
your monthly payments upfront.
No prepayment penalties
You can pay off the loan early with no additional fees.
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.
|Credit Range||Pre-qualification rate*||Est. APR Range**||Loan amount||Loan term***||Lending partners|
700 – 850 FICO
|88%||4.99% – 15.24%||$1,000 – $100,000||2 – 12 years||8|
640 – 700 FICO
|64%||15.85% – 29.09%||$1,000 – $100,000||1 – 7 years||8|
below 640 FICO
|37%||22.48% – 34.70%||$1,000 – $50,000||1 – 5 years||5|