Start Your Home Project with Hearth Finance
With Hearth’s pre-qualification, you get a quick, no-commitment way to get an idea of how much you can borrow, without affecting your credit score.
How Hearth financing works
Hearth financing works by acting as a bridge between borrowers and a carefully curated network of financial institutions, offering users a fast, easy, and credit-safe way to explore financing options.
Don’t Wait. Get Started With Hearth Contractor Financing for Koehn
This means you can now finance:
Repairs
FAQs on Hearth finance
No — when you submit a prequalification form, lenders carry out a “soft” credit check, letting you compare their offers without any impact on your credit score.
Yes — all 17 of our lenders charge no prepayment fees, so you can repay your loan early without any additional cost.
An unsecured loan isn’t backed by a specific asset (“collateral”) that you pledge to the lender if you fail to repay. By contrast, a secured loan always involves collateral, such as a car or a house, that the lender can seize in the event of default.
Lenders assess your creditworthiness by considering multiple factors—your credit history, current debt-to-income ratio, income, and expenses.
You’ll typically receive your funds within one to five business days.
In most states, the minimum loan is $1,000; however, we recommend requesting at least $2,000, as several of Hearth’s lenders only offer loans of $2,000 or more.
Most lenders don’t offer delayed funding, so be sure to check with your chosen provider. For example, one Hearth lender lets you schedule the deposit up to 45 days after approval.
Absolutely—Hearth’s offers page presents a spectrum of loan amounts, enabling you to finance less than, exactly, or more than your project cost so you can select the option and repayment schedule that best fits your needs.
If you don’t qualify for a loan or want a potentially lower APR, consider adding a co-borrower—both of you would sign the loan agreement and be jointly liable for repayment.
Yes — Hearth’s lending partners require applicants to provide documentation verifying the source of their stated income.
If you don’t see any offers, you can resubmit the prequalification form with a co-borrower, which may help you qualify or secure a lower interest rate.
