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FAQ

What does “getting personalized options” mean?
After you answer a few questions, Hearth will send your information to its
network of lending partners. Within seconds, they will check your eligibility
and show you available options. Seeing rates does not affect your credit
score. You can then submit a loan application with your chosen lending
partner, which will affect your credit report just like any loan application.

What information do I need to apply?
Before applying for a loan option Hearth finds you, you’ll need access to a
paystub, your W-2, or another form of income verification.

Why should I use Hearth instead of my credit card?
Interest rates on credit cards are often higher than those on loans you’ll
find through Hearth. Even if your credit card company offers a promotional
0% rate, your APRs could spike if you don’t pay off the card in time.

What kind of loans are available through Hearth?
Hearth’s lending partners offer personal loans. These loans have fixed
monthly payments, terms that are usually between 3 and 7 years, no home
equity requirement, and no prepayment penalties.

When is my first payment due?
Your first payment will be due a month after getting a loan.

How do I make payment on the loan?
You can pay your chosen lending partner by logging into their website and
making a quick payment.

Hearth does not accept applications for credit, does not make loans, and does not make credit decisions. All loans subject to credit approval by Hearth’s lending partners. NMLS ID# 1628533]