Subject to credit approval. Interest rates range from 7.99% – 19.99% APR based on creditworthiness, with loan terms up to 120 months. Loan amounts and rates will vary depending on your income, credit score, and other factors. Certain loans may include a promotional period (“Promo Period”) during which interest accrues but may be waived if the full balance is paid before the Promo Period ends. Monthly payments may not be required during this Promo Period. Any unpaid balance after the Promo Period will be repaid over the remaining term of the loan.

For example, assuming a $10,000 loan is approved and no payments are made during a promotional period, subsequent monthly payments could range from $121.27 – $193.18, depending on your final interest rate and loan term. This example is an estimate only; actual payment amounts depend on the loan amount, creditworthiness, and timing of purchases.

Hearth is a third-party lender and does not directly issue loans. All credit decisions, interest rates, and loan terms are determined by Hearth’s lending partners. Hearth partners with multiple financial institutions to provide loans for home improvement projects, including roofing, pools, and renovations. Hearth loans are available to qualified borrowers in the United States, including Kentucky.

For complete financing costs, terms, and eligibility details, visit gethearth.com. Hearth is a registered service that connects borrowers with its lending partners for consumer loans. Hearth and its partners comply with all applicable laws and regulations, including fair lending practices.