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Posted On: December 30, 2019

Northface Technology Series: Hearth Financing

Our third technology series post features Hearth Financing, a financing platform that allows for urgent home improvement and repair financing. Hearth is a great option for homeowners who are in a pinch, or for those who simply cannot pay out of pocket for their home improvement projects. Through Hearth, they can get the necessary funding they need to get the project done fast. At Northface, we love Hearth’s simple and streamlined process, which puts the control in our customers’ hands.

So, what else makes Hearth a great financing option for contractors and homeowners alike? 

Here’s our Hearth Financing Review:

Hearth financing
Images courtesy of Hearth

What Problem Does Hearth Solve? 

In the U.S., millions of people lack the tools to make smart financial decisions during remodels and renovations. According to Hearth, the consequences can be harmful to homeowners, as they’ll end up with too much debt, costly delays, and even foreclosure. Hearth believes that this a problem that deserves a solution. 

Hearth helps homeowners make smart financial decisions about their renovations. They show homeowners how to craft an accurate budget for their remodels and allow them to be in control of the financing for their project, so they never feel overwhelmed or helpless. 

Fast and Efficient

Hearth allows you to see highly personalized rates for your home project in just 60 seconds, without affecting your credit score. After filling out some information, you’ll receive a number of different personal loans to choose from. You can decide which combination of loan amount, monthly payments and APR works best for you. While saving cash can take years, Hearth’s loans release funding fast. 

Flexible and Accessible For All

Hearth’s loans typically feature both a 3-7 year repayment period and lower rates than credit cards. By using Hearth, our customers have the flexibility to complete home renovations project in a timely manner, while still having plenty of breathing room to pay back their personal loan. 

On top of this, personal loans have fixed rates and there is zero equity required to to qualify for a personal loan from Hearth. 

Hearth’s Lending Partners 

Why We Choose Hearth Over Other Financing Options 

Unlike other financing platforms, Hearth truly gives our customers the freedom to be able to choose the best options for them. After all, it is your home that is getting renovated and we firmly believe that you shouldn’t be pigeonholed when it comes to improving your home to make it perfect for you and your family.

Accidents happen, natural disasters happen, and life happens. When something happens to your home that is out of your control, you should be able to make the necessary repairs without stressing out about where the funds will come from. 

And Hearth allows for just that. We partner with Hearth because they share the same values as us, which is to treat clients fairly and with respect. 

Hearth Financing Reviews

Courtesy of Hearth’s website

“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!” – Contractor

“The care and attention that we received was beyond anything I expected. They took such good care of us like no other bank, credit union or any other company has done in the past for us.” – Homeowner 

“We got set up on Hearth in minutes, and 3 ays later, we funded a $2,500 (project). The process was simple for us and our customers, and our account manager quickly answered our questions. Because of this great service, we referred Hearth to our premier dealer network.” – Contractor

We Give Hearth a 4/5 Rating, and Here’s Why

First of all, we love to use Hearth as a simple option for those homeowners who don’t have the cash on hand for their home project but want to get started right away. We love that part of it.

Another major benefit that makes Hearth stand out from other third-party financing programs is its one-time fee for membership. A lot of other third-party financing programs will have contractors pay a fee every time they are offering a 48 months, interest free offer to homeowners, for example. With Hearth, all we have to do at Northface is pay our annual membership fee and get the benefits of those 0% interest offers to our customers.

This helps alleviate the stress of us having to rely on receiving a check from a customer, who has come to us with an outside financing partner or source. With Hearth, we are able to control that financing and the money in-house without having to wait for that customer. 

Overall, we know we like, and our customers like, how easy it is to use Hearth. All the programs and information are available online. It also acts as an informational resource where customers can get all their financing questions answered. 

Contractors and customers agree that Hearth is a reliable option when it comes to funding a home improvement project. At Northface, we look forward to continuing our partnership with this innovative financing platform for many years to come. 


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