Hearth costs contractors a flat annual subscription plus a one-time $99 setup fee, with zero per-job dealer fees. Hearth's own fee page says most companies invest $2,000 to $6,000 per year depending on service level, and the most commonly cited tier prices are $1,499 (Essentials), $1,799 (Pro), and $4,999 (Elite). The optional 0% APR credit card add-on runs $399 per year. Whether that beats a pay-per-loan platform comes down to one number: your annual financed volume.
Key takeaways
- Hearth's fee page states most contractors pay $2,000 to $6,000 per year plus a one-time $99 setup fee, with $0 charged per funded loan.
- The most-referenced tier prices are $1,499, $1,799, and $4,999 per year, but as of mid-2026 Hearth gates exact pricing behind a demo call.
- At the $1,799 Pro price, Hearth beats Wisetack's 3.9% per-transaction fee once you finance roughly $46,000 per year.
- The 0% APR add-on costs $399 per year and replaces promo fees of 6.9% or more per job that competitors charge.
- The subscription auto-renews annually, the most common complaint in Capterra reviews, so calendar your renewal date at signup.
Hearth's subscription pricing in 2026
Hearth's pricing model is a flat annual subscription, not a cut of each loan. On its contractor-financing-fees page, Hearth states that most companies invest $2,000 to $6,000 per year depending on the level of service, plus a one-time $99 setup fee, and that contractors pay $0 per funded loan with no dealer fees and no volume minimums.
One thing changed in 2026: Hearth's public pricing page no longer lists dollar amounts. The plans are now presented as Hearth Pro, Pro + Harper (adds an AI receptionist, AI follow-up texting, and loan application follow-through), and Enterprise (adds a dedicated account manager and implementation service), with exact quotes given on a demo call. The figures below are the last widely published tier prices, still quoted by Capterra and multiple 2026 buyer's guides, so treat them as a starting point for negotiation rather than a printed menu.
| Plan | Last published annual price | Setup fee | Aimed at |
|---|---|---|---|
| Essentials / Starter | $1,499 per year | $99 one-time | Solo operators testing financing |
| Pro (most popular) | $1,799 per year | $99 one-time | Most small and mid-size contractors |
| Elite / Enterprise | $4,999 per year | $99 one-time | Multi-crew and multi-location companies |
For a deeper look at what separates the lower tiers, see our Hearth Pro vs Starter plan comparison.
What the annual fee actually buys
The Hearth subscription bundles financing access with sales software, which matters when you compare it against financing-only platforms. Every plan includes the financing marketplace: one homeowner application shopped across 18+ lending partners, a soft credit pull for pre-qualification, loan options from $1,000 to $250,000, terms from 2 to 12 years, and lender rates starting around 7.99% APR for the strongest borrowers, per Hearth's loan pages. Homeowners with FICO scores as low as 550 can see offers, which catches near-prime customers other platforms decline. Our guide to Hearth's 550 FICO minimum covers what that means in practice.
On top of financing, Pro-level plans include quote and proposal building with monthly payments displayed, contract generation with e-signature, invoicing and digital payments (Hearth Pay), lead management, and marketing assets like website financing badges. If you currently pay separately for proposal or contract software, part of Hearth's fee displaces that line item. How the lender marketplace works under the hood is covered in our breakdown of Hearth's 18-lender network.
The 0% APR add-on: $399 per year
Hearth's 0% APR option lets you offer homeowners zero-interest introductory credit card financing for roughly $399 per year on top of a Pro or Elite subscription, per Hearth's own product pages. There is still no per-job fee once the add-on is active.
Compare that with per-transaction pricing. Wisetack's help center lists its 0% APR add-on fees at 4.9% for up to 6 months, 6.9% for up to 12 months, and 9.9% for up to 24 months. A single $15,000 job on a 12-month 0% promo costs $1,035 in Wisetack fees. Two of those jobs cost more than five years of Hearth's add-on. If promo financing is part of your pitch, the flat fee wins fast; our guide to 0% APR contractor financing shows how to present it at the kitchen table.
The dealer fee math: flat fee vs percentage
Hearth charges $0 per funded loan, so its real cost per job falls as your financed volume rises. Percentage-based platforms work the opposite way. Here is the annual cost comparison using Wisetack's published 3.9% standard rate and GreenSky's typical 3% to 6% dealer fees on standard installment loans (GreenSky does not publish a public fee schedule; fees vary by dealer agreement):
| Annual financed volume | Wisetack at 3.9% | GreenSky at 3% to 6% | Hearth Pro (about $1,799) |
|---|---|---|---|
| $25,000 | $975 | $750 to $1,500 | $1,799 |
| $50,000 | $1,950 | $1,500 to $3,000 | $1,799 |
| $100,000 | $3,900 | $3,000 to $6,000 | $1,799 |
| $250,000 | $9,750 | $7,500 to $15,000 | $1,799 |
The break-even against Wisetack's 3.9% sits near $46,000 in annual financed volume ($1,799 divided by 0.039). Count the first-year setup fee and it moves to about $49,000. Against GreenSky, break-even lands between $30,000 (at 6%) and $60,000 (at 3%), and promo products push GreenSky's fees to 8% to 15% or more, which drops the threshold further. Full head-to-head numbers live in our Hearth vs Wisetack comparison and the Hearth vs GreenSky dealer fee math.
One correction worth flagging: older articles claim Wisetack cannot fund jobs above $25,000. Wisetack's current range is $500 to $65,000 per job, so the "Hearth is the only option for big tickets" argument now applies mainly above $65,000, where Hearth's $250,000 ceiling stands alone. More on how percentage fees quietly compound in our piece on dealer fees in contractor financing.
What Hearth costs if your team never uses it
An unused Hearth subscription costs you the full annual fee, and that is the honest risk in this model. Percentage platforms cost nothing in a slow year; Hearth bills the same $1,799 whether you fund forty loans or zero. The pattern behind most negative outcomes is a sales process that never changed: financing stays an afterthought pulled out only when a homeowner flinches at the total, nobody pre-qualifies in the room, and the platform sits idle.
The review data reflects this split. Hearth's Capterra listing shows a 2.0 out of 5 rating from a small pool of 9 reviews, heavy on billing complaints, while the Hearth for Contractors app holds roughly 3.7 stars from about 230 ratings on Apple's App Store and about 3.9 from 140 on Google Play as of mid-2026. We collected field experiences in what contractors say about Hearth after using it, and if you run a smaller operation, start with our honest assessment for small contractors.
The auto-renewal warning
Hearth's subscription renews automatically each year at your current rate, and renewal charges are the most frequently cited complaint in its Capterra reviews, with contractors reporting the renewal terms were easy to miss and refunds inconsistent. The fix costs nothing: the day you sign up, set a calendar reminder 30 days before the renewal date to decide whether the past year's financed volume justified the fee. Catching an unwanted renewal before the charge beats disputing it after.
Full cost checklist before you sign
- Annual subscription: roughly $1,499 to $4,999 depending on tier; confirm the exact quote in writing on the demo call.
- Setup fee: $99, one time, at signup.
- 0% APR add-on: about $399 per year, optional.
- Per-loan fees: none. No dealer fees, no per-seat charges, no volume minimums.
- Auto-renewal: on by default; note the date.
- Homeowner side: your customers pay the lender's APR (from about 7.99% for strong credit), covered in our guide to Hearth's interest rates.
The bottom line: run your own number
Hearth's cost only makes sense measured against your financed volume. Take last year's financed total, multiply by 0.039, and compare the result to your Hearth quote (about $1,799 for Pro). Above roughly $46,000 in annual volume, or with regular 0% promo jobs, the flat fee wins and keeps winning as you grow. Under $20,000 in volume, or with a team that will not pitch financing on every estimate, a pay-per-use platform is the safer bill to carry.
How we put this together: We pulled subscription and fee figures from Hearth's own pricing and contractor-financing-fees pages, competitor rates from Wisetack's help center and published GreenSky dealer fee analyses, and ratings from Capterra, the Apple App Store, and Google Play. Tier prices Hearth no longer publishes are marked as last-known figures. All numbers were verified in July 2026.
Frequently asked questions
How much does Hearth cost per month?
Hearth does not bill monthly; the subscription is charged annually, which works out to roughly $125 to $150 per month for the $1,499 to $1,799 tiers. Budget for the full annual charge up front, plus the $99 setup fee in year one.
Does Hearth charge a fee per loan?
No, Hearth charges $0 per funded loan and no dealer fees, per its own fees page. The annual subscription is the entire platform cost, so your effective cost per job drops the more you finance.
What does the homeowner pay with Hearth financing?
The homeowner pays interest to the lender they choose, with APRs starting around 7.99% for strong credit and running higher for lower scores. Hearth itself is free for homeowners to use; it does not make loans or credit decisions.
Is there a contract or can I cancel Hearth anytime?
Hearth is an annual commitment that auto-renews each year, so canceling mid-term does not refund the months you have left. Mark your renewal date at signup and review your usage 30 days before it hits.
At what point does Hearth become cheaper than Wisetack?
At about $46,000 in annual financed volume, based on Wisetack's 3.9% standard fee against a $1,799 Hearth Pro subscription. If you use 0% promos, the threshold drops sharply because Wisetack's 12-month promo fee is 6.9% per job while Hearth's add-on is a flat $399 per year.
Why doesn't Hearth show exact prices on its website anymore?
As of mid-2026 Hearth gates exact pricing behind a demo call, listing plan tiers (Pro, Pro + Harper, Enterprise) without dollar amounts. Its fees page still states most companies invest $2,000 to $6,000 per year, and the last published tier prices were $1,499, $1,799, and $4,999.
