Financing

See your monthly payment options before you decide.

Heritage has partnered with Hearth to give you fast access to personal loan options from multiple lenders. Check what you qualify for in about 60 seconds — with no impact to your credit.

See My Payment Options

Pre-qualify with up to 20 lenders at once

Personal loans from $1,000 – $250,000

No home equity required. No dealer fees.

FICO scores as low as 550 may qualify

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Check Your

Options

See what monthly payments you could qualify for — in about a minute.

2

Answer a few quick questions​

Basic info. No SSN required to see initial options.

1-3

See your personalized offers​

Compare rates, terms, and monthly payments from multiple lenders side by side.

3-3

Choose and apply​

Pick the option that works for your budget. If approved, funds can arrive in as soon as 24 hours.

See My Payment Options

Soft credit check only. No obligation.

Only ~60 seconds (Average time to see your options)

Powered by Hearth · NMLS #1628533

 

Small exterior problems become big ones fast

Fixed monthly payments — no rate surprises

Funds deposited — as soon as next business day

How It Works

Simple. Transparent. No strings.

Heritage partnered with Hearth so you can explore payment options without the usual hassle. Hearth connects you directly to lending partners — Heritage never sees your financial information.

01

Fill out a short form

Basic information — no SSN needed for initial pre-qualification. Hearth performs a soft credit pull that won’t affect your score.

About 60 seconds

02

Compare your options

See personalized offers from up to 20 lending partners. Fixed rates, fixed terms, no prepayment penalties. You’ll also see the maximum amount you qualify for — helpful for planning upgrades.

Results appear instantly.

03

Apply and get funded

Choose the offer that fits. Finalize your application directly with the lender. Funds are deposited into your bank account — most within 1–5 business days.

As fast as 24 hours

Ballpark Your Payment

Get a rough idea first.

Slide to your estimated project cost and see what monthly payments might look like. Your actual rate depends on your credit profile — check Hearth for real numbers.

The Other Side of the Equation

What does waiting cost?

A roof leak or failing siding doesn’t pause because you haven’t decided. Small issues now become expensive emergencies later.

Typical costs of delayed exterior repairs

Water intrusion / structural damage = $1,200 – $5,000

Mold assessment + remediation = $1,500 – $6,000

Energy loss (annual) = $600 – $1,800

Home value depreciation = 3% – 5%

Potential exposure per year = $5,000 – $35,000+

Put it this way: a $250/month loan payment on a $15,000 project is predictable and planned. A $7,000 emergency mold remediation bill is neither. Financing lets you act now on your terms — not react later on the problem’s terms.

Financing powered by Hearth

All loans are subject to credit review and approval. For example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Funding can be as soon as 24 hours and takes 3–5 days on average. 0% Financing Option will include a 0% APR during a promotional period only; the promotional period will vary in length among different offers. After the conclusion of the promotional period, higher APRs will be charged. Please consult the disclosures related to any particular card offer. Partners can offer lending options from $1,000–$250,000 for terms from 2–12 years.

Hearth is a technology company, 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. NMLS ID# 1628533.

Questions about financing? Call Hearth at 512-607-5977 · support@gethearth.com

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