0% APR on Purchases Up to 18 Months-
Over 30 Different Offers to Choose From-
Good to Excellent Credit Required-
Research and Compare all Cards - Start By Clicking "choose offer"

Hearth matches you to great financing options across a broad network of lending partners without affecting your credit score. Rates start at 4.99% APR with potential loan amounts ranging from $1,000 to $100,000. Homeowners with FICO scores as low as 500 could see rates.

Get pre-qualified in 1-3 minutes without affecting your credit score
Loans from $1,000 to $100,000
Rates starting at 4.99% APR
Options for FICO scores from 500 - 850
Terms from 2-12 years
Funding in as soon as 24 hours
No prepayment penalties
Fixed monthly payments and rates
No home equity requirement

Disclaimer: Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit and does not make credit decisions. Hearth works with various lending partners to show customers available financing options; all loans subject to credit approval.

Loans from $5,000 - $100,000 unsecured.
Rates starting at 4.99%* APR with AutoPay.
Good to Excellent credit required.

12 year payment terms^ available for excellent-credit customers.

No prepayment penalty.
Money in your account as soon as today.†
No fees.
Quick response during business hours.
Available in all 50 states.

* The APR listed is for an unsecured home improvement, pool, or solar system loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

^Payment Example: Monthly payments for a $25,000 loan at 7.99% APR with a term of 12 years would result in 144 payments of $270.48.

† You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

$1,000 to $40,000 for Home Improvement
Rates from 6.95% to 35.89%* APR. Best APR is available to borrowers with excellent credit
3 & 5 Year terms *
No prepayment Penalty

Funding in as few as 3 days

Not available in Iowa & West Virginia

Minimum score 620 ( TransUnion)

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.

†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com