Our Financing & Offers
Financing & Payment Plans
See your monthly payment options before you decide.
Heritage has partnered with Hearth to give you fast access to personal loan options from multiple lenders. Check what you qualify for in about 60 seconds — with no impact to your credit.
- Pre-qualify with up to 20 lenders at once
- Personal loans from $1,000 – $250,000
- No home equity required. No dealer fees.
- FICO scores as low as 550 may qualify
Check Your Options
See what monthly payments you could qualify for — in about a minute.
- Answer a few quick questions Basic info. No SSN required to see initial options.
- See your personalized offers Compare rates, terms, and monthly payments from multiple lenders side by side.
- Choose and apply Pick the option that works for your budget. If approved, funds can arrive in as soon as 24 hours.
Only ~60 seconds
Average time to see your options
- Small exterior problems become big ones fast
- Fixed monthly payments — no rate surprises
- Funds deposited — as soon as next business day
How It Works
Simple. Transparent. No strings.
1. Fill out a short form
Basic information — no SSN needed for initial pre-qualification. Hearth performs a soft credit pull that won’t affect your score.
About 60 seconds
2. Compare your options
See personalized offers from up to 20 lending partners. Fixed rates, fixed terms, no prepayment penalties. You’ll also see the maximum amount you qualify for — helpful for planning upgrades.
Results appear instantly.
3. Apply and get funded
Choose the offer that fits. Finalize your application directly with the lender. Funds are deposited into your bank account — most within 1–5 business days.
Get a rough idea first.
Ballpark Your Payment
Slide to your estimated project cost and see what monthly payments might look like. Your actual rate depends on your credit profile — check Hearth for real numbers.
The Other Side of the Equation
What does waiting cost?
A roof leak or failing siding doesn't pause because you haven't decided. Small issues now become expensive emergencies later.
Typical costs of delayed exterior repairs
Water intrusion / structural damage.
$1,200 – $5,000
Mold assessment + remediation
$1,500 – $6,000
Energy loss (annual)
$600 – $1,800
Home value depreciation
3% – 5%
Financing powered by Hearth
Financing powered by Hearth
How does it work?
1. Getting approved is simple, secure, and happens on your own device. Request Your Quote Fill out our quote form and add "Please include financing application" in your request.
2. Receive Your Secure Link Once we have discussed your project details, our team will generate a secure request. You will receive a text message or email directly from Slice by FNBO.
3. Check Your Rate (Soft Pull) Click the link on your mobile device or computer. Enter a few details to see your options. This checks your eligibility without hurting your credit score.
4. Select & Sign Choose the plan that fits your goals
5. We Get to Work We receive notification that your funding is ready, and we schedule your installation.
All loans are subject to credit review and approval. For example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Funding can be as soon as 24 hours and takes 3–5 days on average. 0% Financing Option will include a 0% APR during a promotional period only; the promotional period will vary in length among different offers. After the conclusion of the promotional period, higher APRs will be charged. Please consult the disclosures related to any particular card offer. Partners can offer lending options from $1,000–$250,000 for terms from 2–12 years.
Hearth is a technology company, 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. NMLS ID# 1628533.
Questions about financing? Call Hearth at 512-607-5977 · support@gethearth.com