What if I don't have good credit?
FICO scores as low as 540 have been approved with interest rates as low as 4.99%.
How long will it take to know if I qualify?
Just answer a few questions to see available qualified loan options without affecting your credit score.
How does it work?
- Request a payment option
Just answer a few questions to see available prequalified loan options without affecting your credit score.
- Review your options
You'll receive available loan options from our lending partners. Once you find an option you like, you'll be able to finalize your loan application with the lending partner.
- Get funded!
Get the funds in your account within 1-3 days so you can pay for your project.
640 OR BELOW FICO
Est. Min. APR Range**
$1,000 - $100,000
1 - 10 years
13.00% - 26.87%
$1,000 - $100,000
1 - 7 years
19,95% - 30.61%
$1,000 - $50,000
1 - 5 years
*For each self-reported credit score range, pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users who submitted a loan request.
**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualified users with minimum APRs between the 10th and 75th percentiles.
***For example, a loan in the amount of $10,000 for a term of 5 years with an APR of 6.00% would be repaid over 60 monthly payments in the amount of $193.33.
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, does not make loans, and does not make credit decisions. Hearth works with various lending partners to show customers available financing options; all loans subject to credit approval. Hearth is available nationwide, other than in Maryland, Nevada, North Dakota and Vermont.