- Amounts: Not published. Terms: Not published; set by each lender.
- Your cost: $0 dealer fees; a Hearth subscription, priced on a demo.
- Paid: Not published.
- Read on Hearth's own pages, October 9, 2026.
What Hearth is
Hearth is a customer financing provider. It is built for residential contractors: roofers, HVAC, plumbers, remodelers, fence builders and more.
- Hearth is a sales app for home improvement contractors with a financing marketplace of 18 or more lenders and $0 dealer fees.
- Homeowners apply for their own home improvement personal loans, so contractors are not subject to underwriting or revenue requirements.
- It is sold as a subscription in three tiers: Hearth Pro, Pro + Harper with an AI assistant, and Enterprise.
- The subscription also includes quotes with monthly payments, contracts, invoices and digital payments.
- Hearth does not make loans or credit decisions; rates, terms and fees come from its lending partners.
How it works for a contractor
You subscribe to Hearth after a demo. Quotes you send through Hearth show a monthly payment, and the homeowner prequalifies and compares offers from its lenders.
Because the loan is the homeowner's own personal loan, there is no dealer fee on each job; the cost to you is the subscription.
What it costs you and your customer
The same seven columns for Hearth and for financing on Koira's pay page, from each one's own pages.
| How the customer pays | Amounts | Terms | Customer APR | Your cost per job | When you are paid | Setup | |
|---|---|---|---|---|---|---|---|
| Koira pay page | Affirm or Klarna, chosen by the customer on Koira's pay page | Invoices from $50 to $30,000 | Set by Affirm or Klarna | Set by Affirm or Klarna; the customer sees it when they apply | Stripe's rate (Affirm 6% + 30¢, Klarna 5.99% + 30¢) plus Koira's 2%, 1% or 0.5% by plan | Into your own Stripe account, like a card payment | Nothing to apply for; it is part of the pay page on every plan |
| Hearth | Personal loans from 18 or more lenders, inside a contractor sales app | Not published | Not published; set by each lender | Set by each lender | $0 dealer fees; a Hearth subscription, priced on a demo | Not published | A subscription: Pro, Pro + Harper or Enterprise, through a demo |
From Hearth pricing and Stripe pricing for buy now, pay later, each read on its own site on October 9, 2026. "Not published" means the provider does not list it on its public pages, so ask. Rates and terms change and depend on the customer's credit.
Who Hearth fits
- Contractors who want a sales app with financing built into every quote
- Shops that would rather pay a flat subscription than a fee per financed job
- Teams that want an AI assistant for leads, on the Pro + Harper tier
What to ask before you sign up
- Subscription prices are not published; ask on the demo
- It replaces part of your estimating and invoicing, so check how it fits the software you already use
- Rates depend on the homeowner's credit and the lender
Financing on Koira's pay page
Koira's pay page offers Affirm or Klarna on invoices from $50 to $30,000, on every plan. The customer chooses to pay over time on the same page where they would pay by card, applies on their own phone, and the lender decides approval and terms. You never run credit or fill in a lender form.
What you pay is Stripe's published rate for the method the customer picks, Affirm 6% + 30¢ or Klarna 5.99% + 30¢, plus Koira's share of 2% on Office, 1% on Grow or 0.5% on Front Office. For jobs above $30,000, or if you want a dedicated home improvement lender, a provider like Hearth can sit next to it.
Sources, each read on the provider's own site on October 9, 2026: Hearth pricing, Hearth, Stripe pricing for buy now, pay later, Stripe pricing, and Koira pricing. We read each page's own text; we did not use summaries or third-party lists.