Hearth 2026: Benefits, Features & Pricing

We ended up leaving hearth for another product.

Only good for customers with bad credit. However, they get offered really high interest rates. Not very successful for our customers so far. We have another option which works way better

My overall experience with Hearth was extremely frustrating and disappointing. As a contractor, I depend on financing partners to help close deals and support my clients. Hearth completely failed to deliver. Their communication was terrible—no returned calls, no follow-ups, and no urgency. I had two clients ready to go, both prequalified, and they ended up walking away because Hearth never reached out to them. I reached out multiple times and was given excuses instead of solutions. To make matters worse, they refused to refund me. This company cost me business, time, and trust. I will never use them again.

Hearth/PayEngine constantly delays or holds my business payments, sometimes for days or weeks. They repeatedly ask for documents I’ve already submitted, give contradictory answers, and fail to respond while they hold thousands of dollars of my money. I was approved for next-day ACH, but payments often take a week or more. This has caused major cash-flow issues for my construction business. Very unreliable payment processor.

Title: Disappointing Experience with Hearth I had high hopes for Hearth, but my recent experience has left me utterly frustrated. Their lack of flexibility in business dealings is shocking. I submitted a fair and reasonable refund request, only to be met with resistance and a dismissive attitude. The end of the conversation was a curt "sorry [sensitive content hidden], too bad," which felt incredibly unprofessional and disheartening. This inflexibility has greatly impacted my small woman-owned business’s financial operations. It's disheartening to see a company so unwilling to accommodate or support their customers. I cannot recommend Hearth based on this experience. Look elsewhere if you value customer service and support!

Hearth is not a good financing broker, and an even worse company. They have a business model that requires you to subscribe and pay an annual fee for services upfront even though they don’t perform. Well-qualified customers who applied for financing were essentially disgusted with the rates that were being offered to them. I didn’t have a single customer actually move forward with an offer. And the icing on the cake? They auto-renewed my +$2,000 annual subscription after I hadn’t used the service for over 6 months. I forgot I even had the service because I had abandoned hope for it so thoroughly after the first few months. And they refused to even give a partial refund after multiple attempts. Terrible business practice. I am surprised that a large company would take such a poor, short-term view on customer service. I wouldn’t even know how bad Hearth was if I hadn’t had such an opposite experience with Wisetack, one of Hearth’s competitors. I would highly recommend anyone look into them as an alternative to Hearth.

Half and half. For the money that we have spent on Hearth (over $2,000 pre-paid for the year) I was hoping to be confident using Hearth for invoicing and online payments, but I cannot use due to our two banks not connected.

We were charged for a full $2,500 annual Hearth Pro subscription that we never used — not once. No financing, no transactions, no benefit. When we reached out, the response was essentially: “It auto-renewed. Policy says no refunds.” That was it. No real conversation. No escalation. No attempt to resolve anything. What really doesn’t sit right: The auto-renewal was buried in seven pages of fine print, and they have the nerve to call this their “standard contract,” as if quietly auto-renewing a $2,500 yearly subscription is a normal or reasonable business practice We never received the renewal notice they claim was sent There was no clear or meaningful warning before the charge hit Requests to speak with a manager went nowhere We even acted in good faith earlier and didn’t push for a refund during their guarantee period, and that apparently counted for nothing. For a company that markets itself as a partner to contractors, this felt more like a gotcha charge than a fair or transparent business practice. Especially frustrating as a New York customer, where auto-renewals are supposed to be clearly disclosed and communicated. If you use Hearth, set calendar reminders and watch your card closely. If you miss the renewal window, don’t expect flexibility — just copy-and-paste policy emails. Not a good experience.