When is a personal loan right for me?

You need to remodel now

Personal loans release funding as soon as 24 hours after you apply. No long application process or hefty appraisal fees.

You don’t have home equity

Your remodel isn’t over when your bank says no. Personal loans have fixed rates and don’t require any home equity.

You are short on cash

Saving cash can take years, but personal loans release funding fast. These loans often have lower rates than cards.

How does Hearth work?

  • Get rates in 60 seconds – Our short, secure form takes 60 seconds. It’s free and won’t affect your credit score.

  • See what you can afford – Compare personalized rates from multiple lending partners to make sure you’re getting a great rate.

  • Pick the perfect loan – Don’t wait on your dream home. Personal loans transfer funds into your bank account as soon as the next day.

What is a personal loan?

  • 3-7 year repayment periods*

  • Typically lower rates than credit cards

  • Zero equity required