Hearth costs $1,499 to $4,999 per year on an annual subscription, accepts homeowner FICO scores starting at 550, and charges no per-job dealer fees on standard loans. Those three facts settle most of what contractors want to know before signing up. The rest comes down to how you actually get paid, what happens on declines, and where the flat-fee math beats per-transaction platforms like GreenSky and Wisetack. Here are the nine questions that decide it, answered directly with 2026 numbers.
Key takeaways
- Hearth's 2026 plans run $1,499 (Essentials), $1,799 (Pro), and $4,999 (Elite) per year, plus a one-time $99 setup fee, all billed annually with auto-renewal.
- Hearth's 18-lender network considers FICO scores from 550 and funds loans of $1,000 to $250,000 over 2 to 12 year terms at 4.9% to 35.99% APR.
- Lenders deposit funds into the homeowner's bank account, typically within 1 to 3 business days of approval; you then collect from the homeowner like a cash job.
- You pay zero per-job fees on standard loans; the flat subscription usually beats per-transaction models once you finance roughly $36,000 to $45,000 per year.
- Subscriptions auto-renew with no refund after the deadline, so calendar your renewal date 30 to 45 days out.
| Hearth at a glance (2026) | Detail |
|---|---|
| Plans | Essentials $1,499/yr, Pro $1,799/yr, Elite $4,999/yr, plus $99 one-time setup |
| Per-job dealer fee | $0 on standard loans (fees apply only on optional 0% APR promos) |
| Homeowner FICO minimum | 550, soft credit pull for offers |
| Loan range | $1,000 to $250,000 |
| Terms and APR | 2 to 12 years, 4.9% to 35.99% APR |
| Funding speed | 1 to 3 business days to the homeowner's bank account |
How much does Hearth cost in 2026?
Hearth lists three annual plans as of mid-2026: Essentials at $1,499 per year, Pro at $1,799 per year, and Elite at $4,999 per year for larger multi-crew operations, plus a one-time $99 setup fee. Essentials covers financing access, while Pro adds digital quotes, contracts, invoicing, and payment collection. Every plan bills annually up front; there is no monthly option. A 0% APR promotional add-on is sold separately on the lower tiers. For line-item detail, see our full Hearth fee breakdown and the Pro vs Starter plan comparison before you pick a tier.
What credit score does a homeowner need?
Homeowners can see offers through Hearth with FICO scores starting at 550, one of the lowest published thresholds in contractor financing. Hearth's help pages state that its lending partners weigh the score alongside income, credit history, and requested amount, and the initial application is a soft pull that does not affect the homeowner's credit. Because 18 lenders review each application, a borderline applicant has multiple shots at an approval instead of one underwriter's yes or no. We cover what that means for marginal buyers in our guide to Hearth's 550 FICO minimum and in the breakdown of how the 18-lender network works.
How and when do I get paid?
You get paid by the homeowner, not by Hearth: the lender deposits approved funds directly into the homeowner's bank account, typically within 1 to 3 business days, and you collect exactly as you would on a cash job. Hearth's own product pages describe this as "financing disbursed to homeowners, not on your books." That structure has two practical consequences. First, you can collect a deposit as soon as the money lands rather than waiting on a platform payout. Second, your normal invoicing and payment-collection discipline still matters, because Hearth is not escrowing the money for you.
Do I pay any per-job fees?
No, standard loans through Hearth carry zero dealer fees for the contractor; your only recurring cost is the subscription. A declined application costs nothing, and an approved application that never funds also costs nothing. The one exception is the optional 0% APR promotional product: when you offer a homeowner an interest-free promo, you pay a per-job fee to subsidize that interest, which is how promo financing works across the whole industry (GreenSky's published rate sheets show promo dealer fees reaching 15% on some products). If you skip the promo add-on, the flat fee is the whole cost. Our guides to dealer fees and 0% APR financing show the math on both.
How does Hearth compare to GreenSky and Wisetack on fees?
Hearth's flat subscription beats per-transaction platforms once you finance roughly $36,000 to $45,000 per year, and loses below that. GreenSky charges dealer fees on every funded loan, around 3% to 6% on standard products and higher on promos per its rate sheets, so a single $15,000 job at 6% costs you $900. Wisetack charges contractors a 3.9% transaction fee with no subscription, which is $585 on that same job, and caps loans at $25,000 versus Hearth's $250,000. Finance $100,000 a year and the per-transaction platforms cost $3,900 to $6,000 while Hearth Pro stays at $1,799. Finance $20,000 a year and Wisetack is cheaper. Run your own volume through our Hearth vs GreenSky and Hearth vs Wisetack comparisons, or start with whether Hearth is worth it for small contractors.
How we put this together
Pricing, loan terms, and the payout flow come from Hearth's published pricing and product pages, checked in July 2026. Competitor fees come from Wisetack's site and GreenSky's published merchant rate sheets, and sentiment on renewals reflects contractor reviews on Trustpilot (about 4 stars from 1,200+ reviews) and Capterra. Where Hearth does not publish a number, we say so and give an attributed range instead.
Frequently asked questions
Is there a minimum or maximum job size?
Hearth's lender network funds loans from $1,000 up to $250,000, per Hearth's product pages. In practice, financing changes buyer behavior most on jobs above $5,000, where a monthly payment turns a sticker-shock number into a budget line. The $250,000 ceiling is ten times Wisetack's cap, which matters for whole-home remodels and premium roof systems.
Can I use Hearth alongside Wisetack or GreenSky?
Yes, Hearth has no exclusivity requirement, so you can run it next to Wisetack, GreenSky, or a regional lender. Some contractors keep Wisetack for small tickets, since its 3.9% fee on a $3,000 job is only $117, and route larger projects through Hearth where the flat fee absorbs unlimited volume.
What happens if a homeowner's application is declined?
Nothing is charged to you or the homeowner when no lender in the network approves an application. Your options at that point: suggest a creditworthy co-applicant, scope the project down to a smaller loan request, or split the job into financed and cash phases. Declines do not affect your account standing with Hearth.
How does auto-renewal and cancellation work?
Hearth subscriptions auto-renew for another full year unless you cancel before the renewal date, and reviewers on Capterra and Software Advice report that missed deadlines are not refunded. There is no mid-year exit with a prorated refund, so set a reminder 30 to 45 days before renewal and re-run your financed-volume math before the charge hits.
If the numbers point toward a subscription model for your volume, you can start a Hearth account here and test it against your next quarter of quotes.
