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  1. Financing
  • Free Consultation

    ZERO DOWN

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

    UP TO $100,000

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

    QUICK APPROVAL

    Find out if your approved for in less than 30 minutes.
  • guarantee

    LOW PAYMENTS

    Make payments that are suitable for your budget. Payments starting as low as $10 per month.
  • low credit

    Low credit worthy

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

Ready to get started? Apply here

Frequently Asked Financing Questions

common questions our clients have our financing program.

About financing

How long does it take to get funded?
If approved, funding with one of Hearth's lending partners is simple, with funds being deposited in as soon as 24 hours.
If I decide to pay off my loan sooner is there any penalties?
You can pay off the loan early with no penalties or additional fees.
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 these 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 prequlify for financing?
Yes, visit the following link and get approved online.
What is the minimal amount that can funded?
The amount ranges as low as $1000 in financing as much as $100,000 depending on eligibility.
Can you prequalify me to see if I get 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 larger loan amount for additional services?
Yes, our lending partner(s) will provide you with amounts based on your eligibility.
How long will it take to start my project once approved & funded?
Depending on your exact service requested we can have your project started as soon as same-day.