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  1. Financing
  • Free Consultation

    ZERO DOWN

    Make your first payment 30-45 days after approval.
  • financing

    UP TO $100,000

    Get up to $100,000 in funding for any of your projects.
  • faster

    QUICK APPROVAL

    Find out if you're approved in 30 minutes or less.
  • guarantee

    LOW PAYMENTS

    Make payments suited to your budget. Starting as low as $10 per month.
  • low credit

    Low credit worthy

    We work with all types of lenders regardless of credit history.

Ready to get started? Apply here

Frequently Asked Financing Questions

common questions our clients have for our financing program.

About financing

How long does it take to get funded?
Funding with one of Hearth's lending partners is simple. Upon approval, funds are deposited in as little as 24 hours.
If I choose to pay off my loan sooner, are there any penalties?
There are no penalties or additional fees for paying off the loan early.
Can you help me determine my monthly payment without applying?
Yes! Please take advantage of our payment calculator.
What rates should I expect?
Our lending partners consider factors such as income, FICO score, credit history, outstanding debt, and the loan amount requested when determining rates. There are 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
Excellent:
700 - 850 FICO
88% 4.99% - 15.24% $1,000 - $100,000 2 - 12 years 8
Good:
640 - 700 FICO
64% 15.85% - 29.09% $1,000 - $100,000 1 - 7 years 8
Building:
below 640 FICO
37% 22.48% - 34.70% $1,000 - $50,000 1 - 5 years 5
Aside from financing, what payments methods do you accept?
bhild accepts all major credit cards (+3% processing fee), cash, check, and other mobile payments (PayPal, Zelle, Cash App).
Am I able to prequalify for financing?
Yes, visit the following link and get approved online.
What is the minimum amount necessary to qualify for funding?
Options for financing range from as low as $1000 to $100,000, depending on eligibility.
Can you prequalify me for a chance of getting approved?
Yes, we'll prequalify and provide monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity required.
Can I choose a greater loan amount for additional services?
Yes, our lending partner(s) will provide you with options based on your eligibility.
How long will it take to start my project once approved & funded?
Depending on the specific service requested, we can have your project started as early as the same day.