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Rates in Under 2 Minutes

Review your rates from over a dozen lenders through Hearth’s quick and secure application without affecting your credit score.

Get your money fast

Loans typically fund in 1-5 business days. If approved, Hearth’s lending partners can deposit cash into your account as soon as 24 hours.

Easy monthly payments

No surprises. Personal loans through Hearth’s lending partners have fixed rates and terms. You’ll know your monthly payment upfront.

No prepayment penalties

There are no fees for paying off your loan sooner, saving you time and money.

We offer assistance to remove any obstacles in the decision making process by offering monthly payment options. Our easy payment plans help to turn your lighting project into a reality quicker than imagined. Payment flexibility allows you to enjoy your desired lighting design in the here and now. Our financing program is fulfilled by Wells Fargo and designed to give you convenient options as well as budget flexibility.  

Interest will be charged to your account from the purchase date if the balance is not paid in full within the promotional period* Minimum purchase of $1,000 required.

*The Wells Fargo Outdoor Solutions® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms for 12 months apply to qualifying Purchases of $1,000 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the Purchase date at the APR for purchases if the Purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the Purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 10/01/2020 and is subject to change. For current information, call us at 1-800-431-5921.