Financing with Hearth Financial

  • See your personalized monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity required.

  • Hearth makes it easy for you to find monthly payment options for your project, with:

    • Loan amounts up to $100,000

    • Affordable monthly payment options

    • Funding within 1-3 days

    • No prepayment penalties

    • No home equity required

  • Find convenient monthly payment options for your project. See your personalized payment plans without affecting your credit score now.


Loan Calculator

Personal home improvement loans are perhaps the most common way to fund home improvements without using home equity. You can generally apply online and receive your money in just a few days or even less.


Personal home improvement loans have fixed interest rates and relatively short terms (three to seven years is typical)—and you have a predictable monthly payment over the life of the loan. Interest rates tend to be a bit higher and you may have to pay a loan origination fee of between 1% and 5%, but there is typically no prepayment penalty.


Many homeowners find that personal home improvement loans are the most flexible and convenient option; the application process is quick and easy, and you can borrow smaller amounts compared to home equity loans. Some lenders even offer same-day funding once you’re approved.