The most common question contractors ask before signing up for Hearth is simple: what does it actually cost? The answer is more transparent than many financing platforms, and whether it is worth it comes down to one number you already know: how much you finance per year.
Here is the full breakdown of what Hearth charges, what you get for it, and how to figure out if the math works for your business.
Hearth’s Subscription Tiers (as of Early 2026)
Hearth operates on an annual subscription model. There are three plan levels, with the middle tier being by far the most common. Pricing can change, so always verify on Hearth’s site before signing up. As of early 2026, the publicly discussed pricing structure looks like this:
| Plan | Approximate Annual Cost | Setup Fee |
|---|---|---|
| Starter | Starting around $1,499/year | $99 one-time |
| Pro (most popular) | Starting around $1,799/year | $99 one-time |
| Premium / Enterprise | Starting around $4,999/year | $99 one-time |
The vast majority of contractors use the Pro plan. The Enterprise tier is aimed at larger operations or companies running Hearth across multiple crews or locations.
What the Subscription Includes
The subscription does not just pay for access to financing. Hearth bundles business software with the financing tools, which changes the cost comparison against platforms that are financing-only.
Financing tools included in all plans:
- Access to Hearth’s network of 18 plus lending partners through a single homeowner application
- Soft credit pull for pre-qualification (no credit score impact for the homeowner)
- Loan options from $1,000 to $250,000
- Terms from 2 to 12 years
- FICO minimum of 550 (accepts near-prime customers that some platforms decline)
- Digital application homeowners complete on their phone
- 2 to 3 business day contractor payout after job completion
Business software included at Pro and above:
- Digital quote builder and proposal templates
- Contract generation with e-signature
- Invoice creation and digital payment processing
- Lead management and follow-up tools
- Free marketing materials (door hangers, yard signs, website badges)
- Integration with major contractor CRM platforms
If you are currently paying for separate quote and contract software, part of Hearth’s annual fee is displacing that cost. Factor that into your comparison.
The 0% APR Add-On
Hearth offers a 0% APR promotional financing option as an add-on to the Pro plan, at approximately $399 per year extra. This lets you offer homeowners true zero-interest financing for promotional periods without paying a per-transaction dealer fee on top of your subscription.
Compare that to Wisetack’s 0% APR stacking: on Wisetack, a 12-month 0% promo on a $15,000 job costs 10.8% in fees, which is $1,620 on that single job. At Hearth, once you have paid the $399 annual add-on, that same job has no per-transaction fee at all. The add-on pays for itself after two promotional loans of about $20,000 combined.
The Dealer Fee Comparison: What Zero Per-Job Fees Actually Means
Hearth charges $0 per funded loan. This is the core value proposition. Every competitor that charges per-transaction fees is taking a percentage of every job you close on financing. Here is how that adds up:
| Annual Financed Volume | Wisetack (3.9%) | GreenSky (avg 8%) | Hearth (~$1,799/yr) |
|---|---|---|---|
| $30,000 | $1,170 | $2,400 | $1,799 |
| $50,000 | $1,950 | $4,000 | $1,799 |
| $100,000 | $3,900 | $8,000 | $1,799 |
| $200,000 | $7,800 | $16,000 | $1,799 |
| $500,000 | $19,500 | $40,000 | $1,799 |
The break-even against Wisetack at 3.9% is approximately $46,000 in annual financed volume. Above that, Hearth costs less. The gap grows wider every dollar above that threshold.
The break-even against GreenSky at an average 8% dealer fee is much lower, around $22,500 annually. Most contractors who finance even a handful of jobs per year exceed that.
What Does Hearth Cost If You Never Use It?
This is the honest part of the cost analysis. Hearth’s subscription model means you pay the annual fee whether you use the platform or not. If you sign up and your team does not adopt it, you paid $1,799 for nothing.
The most common scenario where Hearth fails to deliver value is when contractors sign up but do not change their sales process. They keep waiting until after the total price to bring up financing. They do not pre-qualify customers in the room. The platform sits unused.
The subscription works when financing becomes part of how you present every estimate, not an afterthought you pull out after the homeowner hesitates.
The Auto-Renewal Warning
Hearth renews automatically each year. This is the most frequently cited complaint in contractor reviews. Some contractors report signing up, using it minimally during the first year, then getting charged again for year two before they remembered to cancel.
The practical fix: when you sign up, immediately put a calendar reminder 30 days before your renewal date to evaluate whether to continue. Hearth’s support has reportedly been inconsistent about processing refunds for renewals, so catching it before the charge is better than disputing it after.
Hidden Costs to Account For
- Setup fee: $99 one-time (paid at signup)
- 0% APR promotional add-on: approximately $399/year extra if you want true 0% promo products
- Auto-renewal at the same annual rate unless canceled before the renewal date
There are no per-transaction fees, no per-seat charges for your team, and no minimum volume requirements. Once you are on the plan, unlimited jobs at no additional cost.
When Hearth’s Cost Is Justified
The subscription pays for itself at a specific threshold. Here are the conditions under which Hearth clearly makes financial sense:
- You finance more than $46,000 in projects per year (at which point Hearth costs less than Wisetack’s base rate)
- You regularly quote jobs above $25,000 (Wisetack cannot fund those; Hearth can)
- You use the 0% APR add-on and would otherwise pay 10%+ per job on promo products through Wisetack
- You want proposal and contract software bundled with financing rather than paying for it separately
- Your customer base includes people with FICO scores in the 550 to 600 range who get declined elsewhere
When Hearth May Not Be Worth It
- You finance very rarely and your total annual financed volume stays under $20,000
- Your typical jobs stay under $15,000 and you want no upfront commitment
- You have already adopted a separate proposal and contract platform you are happy with and do not need the bundled software
- You signed up but genuinely have not been presenting financing to customers
The Bottom Line
Hearth costs approximately $1,799 per year on the most popular plan, plus a $99 one-time setup fee. For that, you get unlimited access to 18 plus lenders, a business software suite, a 550 FICO minimum that catches more customers, and loans up to $250,000.
The cost justifies itself quickly once you are actively using financing in your sales process. Run your own number: take last year’s financed volume, multiply by 3.9%, and compare the result to $1,799. That tells you whether Wisetack or Hearth saves you more money at your current scale.
Ready to See If Hearth Makes Sense for Your Business?
Hearth gives contractors access to 18 plus lenders at a flat annual rate with no per-job dealer fees. If you finance more than $36,000 in projects per year, the math almost always works in your favor.