Q: What does "getting pre-qualified mean?

After you answer a few questions, Hearth will send your information to its network of lending partners. Within seconds, they will check your eligibility and show you available options. Seeing rates does not affect your credit score. You can then submit a loan application with your chosen lending partner, which will affect your credit report just like any loan application. 

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Q: What information do I need to apply?

Before applying for a loan option Hearth finds you, you will need access to a pay stub, your W-2, or another form of income verification.

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Q: Why should I use Hearth instead of my credit card?

Interest rates on credit cards are often higher than those on loans you will find through Hearth.

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Q: What kind of loans are available through Hearth?

Hearth's lending partners offer personal loans. These loans have fixed monthly payments, terms that are usually between 3 and 7 years, no home equity requirement, and no prepayment penalties.

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Q: When is my first payment due?

Your first payment will be due a month after getting a loan.

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Q: How do I make a payment on the loan?

You can pay your chosen lending partner by logging into their website and making a quick payment.

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