Build Now, Pay Over Time
There’s no reason to wait years to enjoy your yard. Financing through Hearth lets you start your project now and spread the cost into comfortable monthly payments — on terms that fit your budget.
- $250,000 Loan amounts up to a quarter-million for projects of any size.
- 1–3 Days Get funded in as little as one to three business days.
- 12+ Lenders One quick form compares personalized offers side by side.
- No money down
- No home equity required
- No prepayment penalties
- No impact to your credit to check
Estimate Your Monthly Payment
Slide to your project budget, choose your credit range and a term, and see roughly what your monthly payment could look like. When you’re ready, get your real personalized rates in minutes.
- Example APR —
- Loan amount —
- Total of payments —
- Total interest —
Estimates are for illustration only and are not an offer or guarantee of credit. Your actual rate, term, and payment depend on the lender and your credit profile. Checking your rate through Hearth does not affect your credit score.
Pre-Qualified In Three Simple Steps
- 01
Get pre-qualified
Answer a few quick questions and see your personalized options in minutes. Checking your rate uses a soft pull, so it won’t affect your credit score.
- 02
Compare your offers
Review real monthly-payment options from over a dozen trusted lenders, all in one place, and pick the terms that work best for your budget.
- 03
Fund your project
Once you choose an offer you can be funded in as little as 1–3 business days — then we break ground on the outdoor space you’ve been picturing.
Financing Questions, Answered
Will checking my rate affect my credit score?
No. Seeing your personalized options through Hearth uses a soft credit check, which has no impact on your score. A hard inquiry only happens later if you choose to move forward with a specific lender.
What credit score do I need to qualify?
Hearth works with lenders that serve a wide range of credit profiles, with options for scores as low as 550. Higher scores typically unlock lower rates, but it’s worth checking your options either way.
How much can I borrow?
You can request loan amounts up to $250,000, depending on your credit and the lender — enough to cover everything from a focused upgrade to a full outdoor transformation.
How fast can I get funded?
Many homeowners are funded in as little as 1–3 business days after choosing an offer, so your project doesn’t have to wait long to get started.
Is there a penalty for paying it off early?
No. The loans offered through Hearth have no prepayment penalties, so you can pay yours off ahead of schedule without any extra fees.
Do I need home equity to qualify?
No. These are personal loans, so you don’t need any home equity or to put your home up as collateral to finance your landscaping project.
