Hearth financing makes sense for plumbers who finance roughly $45,000 or more in work per year, which usually means a steady flow of repipes, sewer replacements, and tankless installs. Below that volume, Hearth's flat annual subscription costs more than a pay-per-job platform like Wisetack, and a service-heavy shop should not sign up until the big-ticket volume is there.
Key takeaways
- Hearth no longer publishes plan prices; third-party pricing guides list tiers from about $1,499 to $4,999 per year as of mid-2026, with the Pro tier widely reported at $1,799.
- Hearth charges $0 dealer fees and connects customers to 18+ lenders, with loans up to $250,000 and credit scores accepted as low as 550.
- Against Wisetack's flat 3.9% transaction fee, a $1,799 subscription breaks even at about $46,000 in financed plumbing work per year.
- Financing matters on the top slice of plumbing work: sewer replacements ($3,000 to $15,000 per HomeGuide) and whole-home repipes, not $300 drain calls.
- Wisetack caps loans at $25,000 with no subscription, so low-volume plumbers usually start there and switch once volume justifies a flat fee.
Step 1: Know which plumbing jobs financing actually fits
Most plumbing tickets are too small to finance, and that single fact drives the whole subscription decision. A drain clearing or a toilet swap gets paid by card or check. Financing only enters the conversation when the quote surprises the homeowner and the number is beyond what most people keep liquid.
| Job type | Typical 2026 cost | Financing fit |
|---|---|---|
| Service call, drain clearing | $150 to $600 | None |
| Standard tank water heater | $800 to $2,500 | Rare |
| Tankless water heater install | $1,404 to $3,901 (Angi average $2,638) | Occasional |
| Bathroom plumbing rough-in | Roughly $3,500 to $8,000 | Good |
| Sewer line replacement | $3,000 to $15,000 (HomeGuide) | Strong |
| Whole-home repipe (PEX or copper) | Roughly $4,500 to $15,000+ | Strong |
The tankless and sewer figures come from Angi's and HomeGuide's 2026 cost data; HomeGuide puts sewer replacement at $50 to $250 per linear foot. The takeaway for the subscription decision: count how many jobs in the bottom three rows you close in a year. That number, not your total call volume, is your financing volume.
Step 2: Get Hearth's real 2026 price, not the old published one
Hearth's pricing page no longer lists dollar amounts. As of July 2026, gethearth.com shows three tiers (Hearth Pro, Pro + Harper, and Enterprise) with "18+ lenders" and "$0 dealer fees," and routes you to a demo call for the actual quote. Third-party pricing guides such as Loanfolk list the tiers at roughly $1,499 to $4,999 per year plus a $99 setup fee, and the mid Pro tier is widely reported at $1,799 per year. Treat any exact figure you read online, including the one in this post's history, as a starting point for negotiation rather than a menu price.
What Hearth's own pages do confirm: no per-job dealer fees, a lender network of 18+ partners, loans up to $250,000, terms up to 12 years, and applicants accepted with FICO scores as low as 550. The soft-pull pre-qualification does not affect the homeowner's credit score. For a deeper look at the plan structure, see our Hearth plan comparison and the full Hearth fee breakdown.
Step 3: Run the break-even math against a per-job platform
The break-even calculation is simple: divide the subscription price by the per-job fee you would otherwise pay. Wisetack, the most common no-subscription alternative for home service trades, charges contractors a flat 3.9% per transaction according to its partner documentation, with optional 0% APR promotions that add 4.9% to 9.9% on top depending on promo length. At the widely reported $1,799 Pro price, Hearth breaks even at about $46,000 in financed volume against Wisetack's standard fee, and far sooner if you routinely offer 0% promos.
| Annual financed volume | Hearth at $1,799 flat | Wisetack at 3.9% | Wisetack with 12-month 0% promo (10.8%) |
|---|---|---|---|
| $15,000 (one repipe + a tankless) | $1,799 | $585 | $1,620 |
| $30,000 | $1,799 | $1,170 | $3,240 |
| $46,000 (break-even) | $1,799 | $1,794 | $4,968 |
| $75,000 | $1,799 | $2,925 | $8,100 |
| $150,000 | $1,799 | $5,850 | $16,200 |
Two honest caveats. First, if Hearth quotes you a higher tier, the break-even moves with it: at $4,999 per year you need about $128,000 in financed work to beat a 3.9% fee. Second, the 10.8% column only applies when you offer the 12-month 0% APR add-on on every job; most plumbers use promos selectively. Our dealer fee guide walks through how these percentages compound across platforms, and the 0% APR explainer covers when promos are worth their cost.
Step 4: Decide between Hearth and Wisetack for your job mix
Wisetack fits plumbers whose financed jobs cluster between $2,000 and $10,000. Loans run $500 to $25,000 at 0% to 35.9% APR on terms of 3 to 60 months, per Wisetack's own site, and there is no signup or subscription fee. It also plugs directly into Jobber, Housecall Pro, ServiceTitan, and 50+ other field service platforms, so the financing offer lives inside the invoice you already send. The full picture is in our Wisetack review.
Hearth fits plumbers who regularly quote past $25,000 (large repipes in expensive markets, multi-unit work, water damage scopes) or who serve customers with thinner credit. The 550 FICO floor matters in plumbing because sewer and repipe emergencies do not wait for a homeowner's credit to improve; our FICO guide covers what that 550 minimum means in practice. Hearth holds a 4.5 TrustScore from roughly 1,000+ Trustpilot reviews, with praise for support and complaints from low-volume users who paid the subscription and financed little. The side-by-side Hearth vs Wisetack comparison goes feature by feature.
Step 5: Use financing where it wins: the emergency quote
Plumbing financing earns its keep in one moment: the camera is out of the sewer line, the homeowner is looking at a $10,000 to $14,000 quote they never budgeted for, and the alternative to closing now is "let me think about it." Monthly payment framing changes that conversation. A $12,000 repipe presented as a payment in the low hundreds per month keeps the decision moving while you are still on site.
Speed is the mechanism. With Hearth you text the homeowner a link, they complete a soft-pull form, and payment options come back in minutes without a credit score hit. That lets you close the same visit instead of scheduling a follow-up that a cheaper competitor can intercept. Scripts for that exact conversation are in our kitchen table pitch guide, and the objection-handling lines are in 10 homeowner financing objections.
Common mistakes plumbers make with financing subscriptions
The most expensive mistake is buying the subscription before the volume exists. A shop that financed two jobs last year will not finance twenty this year just because the tool is paid for. Count last year's closed jobs over $3,000, add the ones you lost at the quote stage, and only then compare that volume to the break-even line.
Three more to avoid:
- Comparing Hearth's flat fee to a per-job fee you would never actually pay. If you rarely offer 0% promos, use the 3.9% column, not the 10.8% one.
- Ignoring the homeowner's side of the cost. Hearth's no-dealer-fee model means the customer carries the full interest rate, which can run high for lower credit tiers. Know the rate before you pitch the payment.
- Letting the subscription idle. Contractors in Trustpilot complaints often paid for a year and never built financing into their quote process. If you buy it, put a payment option on every estimate over $3,000.
If you are still under the volume line, our guide to whether Hearth is worth it for small contractors covers the low-volume decision in more depth.
How we put this together
We pulled Hearth's lender count, dealer fee policy, loan cap, and credit floor from gethearth.com's pricing and plumbing pages, Wisetack's fees and loan terms from wisetack.com and its partner documentation, plumbing job costs from Angi and HomeGuide 2026 cost guides, and ratings from Trustpilot. Because Hearth no longer publishes plan prices, subscription figures come from third-party pricing guides and are labeled as reported, not quoted. All figures verified July 2026.
Frequently asked questions
How much does Hearth cost for plumbers?
Hearth does not publish prices as of mid-2026; third-party guides report tiers from about $1,499 to $4,999 per year plus a $99 setup fee, with the Pro tier commonly cited at $1,799. You get the exact number on a demo call, and it applies regardless of trade.
Does Hearth charge dealer fees on plumbing jobs?
No, Hearth advertises $0 dealer fees on its pricing page. You pay the flat annual subscription and keep the full job amount, while the homeowner pays the interest on whatever loan they accept from Hearth's 18+ lender network.
What credit score do customers need for Hearth financing?
Hearth's lender network accepts applicants with FICO scores as low as 550, per its plumbing financing page. Approval and rates vary by lender, and lower scores generally see higher APRs, so the payment quoted to a 550-score customer will differ from a 720-score customer on the same $10,000 sewer job.
Is Wisetack better than Hearth for plumbers?
Wisetack is better for plumbers financing under roughly $46,000 per year, because its 3.9% per-transaction fee with no subscription costs less at low volume. Hearth wins above that line and on jobs over Wisetack's $25,000 loan cap.
Can a homeowner finance a small plumbing repair?
Technically yes, since Wisetack loans start at $500, but in practice financing a $300 drain call rarely happens. Financing conversion concentrates on jobs over roughly $3,000, where the quote exceeds what most homeowners keep in checking.
How fast does Hearth pre-qualification work on site?
Minutes. You text the homeowner a link, they complete a short soft-pull form that does not affect their credit score, and monthly payment options come back while you are still at the house, with funding in as little as 24 hours for approved loans per Hearth's site.
Ready to run your own numbers? Add up last year's plumbing jobs over $3,000, multiply by 3.9%, and compare that to the quote Hearth gives you. If the volume is there, you can start with Hearth here; if not, begin with a per-job platform and revisit when the repipe pipeline fills up.
