👉Pre-qualification doesn’t affect your credit
👉Low, fixed monthly payments
👉Request up to $100,000
👉Funding in as soon as 24 hours
👉Avoid using home equity
👉No prepayment penalties
1️⃣ Complete a short online form:
Just answer a few questions to see available rates without affecting your credit score.
2️⃣ Review loan options:
If eligible, you’ll get personalized options from multiple lending partners. You can then apply for your chosen loan.
3️⃣ Get funded:
In as soon as 24 hours: If approved, you can get money in your account the next day.
⁉️ What does “getting pre-qualified” mean?
After you answer a few questions, Hearth will send your information to its network of lending partners. Within seconds, they will check your eligibility and show you available options. Seeing rates does not affect your credit score. You can then submit a loan application with your chosen lending partner, which will affect your credit report just like any loan application.
⁉️ What information do I need to apply?
Before applying for Hearth make sure you have access to a paystub, your W-2, or another form of income verification.
⁉️ Why should I use Hearth instead of my credit card?
Interest rates on credit cards are often higher than those on loans you’ll find through Hearth.
⁉️ What kind of loans are available through Hearth?
Hearth’s lending partners offer personal loans. These loans have fixed monthly payments, terms that usually between 3 and 7 years, no home equity requirement, and no prepayment penalties.
⁉️ When is my first payment due?
Your first payment will be due a month after getting a loan.
⁉️ How do I make payment on the loan?
You can pay your chosen lending partner by logging into their website and making a quick payment.
***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. Hearth works with various lending partners to show customers available financing options; all loans subject to credit approval.***