Hearth's reviews from contractors split harder than almost any tool in this category. As of mid-2026, Hearth holds a 4.6 star TrustScore on Trustpilot from more than 1,300 reviews, yet only a 2.0 on Capterra and 94 complaints on its BBB profile in the trailing three years. The same product earns both scores, and the difference comes down to two things: whether the contractor actually changed how they present financing, and whether they got caught by the auto-renewing subscription. Here is what the review data actually shows, platform by platform.
Key takeaways
- Hearth scores 4.6 on Trustpilot from roughly 1,300+ reviews as of mid-2026, with a polarized spread: about 84% are 5-star and 13% are 1-star.
- On complaint-driven platforms the picture flips: 2.0 from 9 Capterra reviews, 1.2 from 15 PissedConsumer reviews, and 94 BBB complaints despite an A rating.
- Auto-renewal billing is the single most repeated complaint; BBB filings describe surprise renewal charges of $2,198 and $2,400 from contractors who thought they had cancelled.
- Positive reviews cluster around the flat-fee model (plans run $1,499 to $4,999 per year, per Hearth's pricing page) versus per-job dealer fees.
- For context, Wisetack sits near 4.8 on Trustpilot and GreenSky at 1.4, so Hearth's 4.6 is a strong score for contractor fintech.
Hearth's review scores across every major platform
Hearth's rating depends almost entirely on where you look, so a single number tells you very little. The table below pulls the verified figures as of mid-2026. Note that Hearth has no meaningful G2 listing, so contractor sentiment lives on Trustpilot, the BBB, Capterra, and complaint boards instead.
| Platform | Score (mid-2026) | Volume | What it mostly reflects |
|---|---|---|---|
| Trustpilot | 4.6 / 5 | 1,300+ reviews | Invited reviews from active users; polarized (84% 5-star, 13% 1-star) |
| BBB | A rating, accredited since 2017 | 94 complaints in 3 years | Billing disputes, mostly auto-renewal charges |
| Capterra | 2.0 / 5 | 9 reviews | Small, complaint-heavy sample; value for money rated 1.8 |
| PissedConsumer | 1.2 / 5 | 15 reviews | Complaint board by design; billing and payout grievances |
Each source is worth reading in its own context. Trustpilot notes that Hearth invites customers to review and typically replies to negative reviews within 24 hours, which pushes volume up and pulls the average toward active, engaged users. The BBB's A rating grades how a company responds to complaints, not how many it gets, which is why an A can coexist with 94 filings.
Why the scores diverge so sharply
The gap between 4.6 and 2.0 is not noise; it is a sampling difference. Trustpilot's pool is large and seeded by review invitations sent to contractors using the platform, so it captures the everyday experience of active subscribers. Capterra and PissedConsumer collect a handful of self-selected reviews, and people rarely hunt down a software directory to say a product worked fine. Nine Capterra reviews cannot outweigh 1,300 Trustpilot reviews statistically, but they are useful anyway, because the complaints on all of the low-score platforms repeat the same two or three themes rather than scattering randomly. When small samples agree with the 1-star tail of a big sample, that tail is real.
The practical read: the average active Hearth user is satisfied, and the unhappy minority is unhappy about specific, predictable things you can screen for before you pay. The next two sections cover both sides.
What contractors consistently praise
Positive Hearth reviews on Trustpilot repeat a few themes, and they line up with how the product is designed to be used.
- Flat subscription instead of dealer fees. Hearth's pricing page lists Essentials at $1,499 per year, Pro at $1,799, and Elite at $4,999, plus a $99 setup fee, with no per-job fee on funded loans. Contractors financing serious volume compare that to the 3% to 12% dealer fees on per-transaction platforms and the math is the core of most 5-star reviews. We run the full numbers in our Hearth cost breakdown.
- More approvals on mixed-credit customers. Hearth markets an 18-lender network on its site, and reviewers working middle-income neighborhoods credit it for pre-qualifying homeowners a single lender would decline. How that routing works is covered in our guide to Hearth's lender network.
- Higher close rates on big tickets. Reviewers describe monthly-payment framing closing jobs that stalled as lump sums, consistent with the pattern in our piece on why "I need to think about it" usually means the price.
- Bundled quotes, contracts, and payments. Pro-plan subscribers note the included estimate and contract tools replaced a separate software bill. The tools are basic, but they are not extra.
What contractors consistently complain about
Negative Hearth reviews concentrate on three issues, and they show up on every platform from the BBB to Trustpilot's 1-star tail.
- Auto-renewal billing. The most repeated complaint by a wide margin. BBB filings include a contractor charged $2,198 for a second year after not using the product in the first, and another who says they asked a rep to disable auto-renewal and was still charged $2,400. Hearth's position in responses is that renewal terms are in the agreement, and refunds after the renewal date are rare.
- Slow or inconsistent support. Capterra reviewers rate customer service 2.2 out of 5, citing unreturned calls and stalled follow-ups. Several describe pre-qualified homeowners who never got lender follow-up and walked. For a tool pitched as a kitchen-table closer, a support lag during a live deal is expensive.
- Pre-qualification is not funding. A soft-pull pre-qualification takes about a minute, but final approval needs a hard pull and verification, and some pre-qualified homeowners never fund. Every multi-lender platform has this gap, but reviewers who expected pre-qual to equal approval felt misled. Rates the homeowner actually pays are covered in our Hearth interest rates explainer.
The auto-renewal problem, and how to not become a review
Auto-renewal complaints are the one issue you can fully prevent before signing. The subscription renews by default, the renewal reminder is easy to miss, and BBB complaint responses show refunds after the charge are the exception. Three moves protect you: put a calendar reminder 45 days before your renewal date, get any cancellation confirmed in writing rather than by phone, and treat the first year as a paid test with a firm go or no-go date. Contractors who intend to keep using Hearth never notice the renewal. Nearly every billing horror story comes from someone who stopped using it and assumed the subscription would stop itself.
How Hearth's reviews compare to Wisetack and GreenSky
Hearth's 4.6 lands between its two most-compared alternatives, and the spread says as much about business models as about quality.
| Platform | Trustpilot (mid-2026) | Cost model | Review pattern |
|---|---|---|---|
| Wisetack | About 4.8 from roughly 900+ reviews | 3.9% fee per funded loan, no subscription | Little to resent: no annual charge, so light users churn silently instead of angrily |
| Hearth | 4.6 from 1,300+ reviews | $1,499 to $4,999 per year flat | Active users glowing; non-users burned by renewal charges write the 1-star tail |
| GreenSky | 1.4 | Dealer fees charged to the contractor per job | Homeowner and contractor complaints; a 2021 CFPB consent order required up to $9 million in refunds plus a $2.5 million penalty |
A subscription product structurally collects angrier reviews than a pay-per-use product, because only the subscription can bill someone who stopped using it. That explains most of the Wisetack gap; the full feature fight is in our Hearth vs Wisetack comparison. GreenSky's 1.4 reflects deeper problems, documented by the CFPB order and covered in our Hearth vs GreenSky breakdown.
Who ends up happy with Hearth
Satisfied Hearth reviewers share a profile you can check yourself against before subscribing. They finance enough volume that the flat fee beats dealer fees, which for most trades means roughly $40,000 or more per year through the platform. They present financing during the estimate, not on the final invoice. They use the bundled quote and contract tools instead of paying twice for software. And they understood on day one that pre-qualification is a sales tool, not a funded loan. Contractors missing two or more of those traits write most of the refund requests. If you sit near the volume line, our honest take on whether Hearth is worth it for small contractors runs that decision in detail.
How we put this together
We pulled Hearth's ratings and review counts directly from Trustpilot, the Better Business Bureau, Capterra, and PissedConsumer in July 2026, took plan pricing from Hearth's published pricing page, and drew competitor figures from Wisetack's and GreenSky's Trustpilot profiles plus the CFPB's public 2021 GreenSky consent order. Complaint descriptions are paraphrased from public BBB filings; we do not reproduce or invent quotes. Ratings drift as reviews land, so treat exact counts as a mid-2026 snapshot.
Frequently asked questions
Is Hearth financing legit?
Yes, Hearth is a legitimate BBB-accredited company with an A rating and a 4.6 Trustpilot score from over 1,300 reviews. The complaints on record are overwhelmingly about subscription billing, not about loans failing to fund or contractors not getting paid.
What is Hearth's Trustpilot rating in 2026?
Hearth holds a 4.6 out of 5 TrustScore on Trustpilot from more than 1,300 reviews as of mid-2026. The distribution is polarized: roughly 84% of reviews are 5-star and 13% are 1-star, with almost nothing in between.
Why is Hearth's Capterra rating so low?
Hearth's 2.0 Capterra score comes from only 9 reviews, a self-selected sample dominated by billing complaints. It is too small to represent the user base, but its themes (auto-renewal charges, slow support) match the 1-star tail on Trustpilot, so the specific grievances are credible even if the average is not.
Does Hearth automatically renew your subscription?
Yes, Hearth subscriptions renew automatically by default, and this is the most common complaint in BBB filings, with disputed charges around $2,198 to $2,400. Set a reminder 45 days before renewal and get any cancellation confirmed in writing.
How much does Hearth cost per year?
Hearth's pricing page lists three plans as of 2026: Essentials at $1,499 per year, Pro at $1,799, and Elite at $4,999, plus a one-time $99 setup fee. There are no per-job dealer fees on funded loans, which is the core trade against pay-per-use platforms like Wisetack.
Do contractors rate Wisetack higher than Hearth?
Slightly, yes: Wisetack sits around 4.8 on Trustpilot versus Hearth's 4.6 as of mid-2026. Part of that gap is structural, since Wisetack has no annual subscription and therefore never bills an inactive user, which is where most of Hearth's angriest reviews come from.
