FINANCING

FINANCING

QCR Construction & Renovation has partnered with Hearth so we can help you find financing options that best fit your needs.

How does Hearth financing work?

  • Multiple Financing Options
    • Hearth works with 17 lenders to find competitive personal loans and credit cards for your needs.
  • Simple Pre-qualification
    • The Hearth process takes less than 2 minutes and will not affect your credit score.
  • Personalized Options
    • Hearth’s lending partners can provide multiple options tailored to your needs.

Watch this video to learn about how Hearth’s cutting-edge technology matches you with competitive monthly payment options.

2 MINUTE PREQUALIFICATION

Get your project started as soon as possible by getting prequalified today.

FREQUENTLY ASKED QUESTIONS (FAQs)

No, when you complete the prequalification form, lenders perform a “soft” credit inquiry. This allows you to compare lender offerings without affecting your credit score.

Yes, all 17 of Hearth’s lenders have no pre-payment fees which means you can pay back your loan before the end of its term at no additional cost.

An unsecured loan is not linked to a specific piece of property (“collateral”) that the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, in contrast, always has some form of collateral, like a car or a house of which the lender can take possession in the event of default.

Lenders look at many factors, including your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.

You can usually expect to receive your money in as little as 1-5 business days.

In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth’s lenders only make loans of $2,000 or greater.

Most of Hearth’s lenders do not offer delayed funding, but please confirm with your chosen lender. For instance, at least one Hearth lender allows you to schedule the deposit 45 days after approval.

Yes, of course! Hearth’s offers page will display a range of loan options, so you can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.

Consider adding a co-borrower if you do not qualify for a loan or would like to see possibly lower APRs. You and the co-borrower would both sign the loan agreement and be liable for the loan.

Yes, Hearth’s lending partners require that applicants provide information to prove the source of the income they state.

Yes, if you did not see offers, you can fill out the pre-qualification form again and add a co-borrower. Adding a co-borrower may help you qualify for a loan or qualify for lower interest rates.

“I used Hearth to finance a 70k+ project without paying a cent in dealer fees. I got set up in 5 minutes and did the deal shortly afterwards. Their process is as easy as it gets!”

KENDALL H.
“I wanted to remodel my kitchen for the least amount of money possible. Through Hearth, I was able to find a SoFI loan that let me do that.”
KIM G.
“I wanted to remodel my kitchen for the least amount of money possible. Through Hearth, I was able to find a SoFI loan that let me do that.”
JANET H.
“As a first-time homeowner, I didn’t even consider a personal loan as an option, but I’m glad I found you guys because now that I know the rates — I’m seriously considering it.”
MATT P.
“It was a really simple process — I made a request and got the money in my account almost immediately.”
CHRIS M.