My experience
I signed up for Hearth because the concept sounded great, and I was excited to be able to offer financing options to my customers.
Unfortunately, my experience has been very different from what was explained to me by the sales team. I was told that customers with credit scores over 680 would have access to 0% APR financing programs. Based on that information, I felt confident presenting Hearth as a financing option to my clients.
However, when I actually tried to use it with a client who has a 700+ credit score, they didn’t even qualify for the full loan amount needed for their project.
My biggest issue is that the expectations set during the sales process did not match the actual experience. If the 0% APR programs and loan amounts are dependent on additional factors beyond credit score, that should have been clearly communicated upfront.
I signed up expecting to provide my customers with a strong financing option, and unfortunately, I don’t feel the sales team accurately represented what would actually be available to them.
Unfortunately, my experience has been very different from what was explained to me by the sales team. I was told that customers with credit scores over 680 would have access to 0% APR financing programs. Based on that information, I felt confident presenting Hearth as a financing option to my clients.
However, when I actually tried to use it with a client who has a 700+ credit score, they didn’t even qualify for the full loan amount needed for their project.
My biggest issue is that the expectations set during the sales process did not match the actual experience. If the 0% APR programs and loan amounts are dependent on additional factors beyond credit score, that should have been clearly communicated upfront.
I signed up expecting to provide my customers with a strong financing option, and unfortunately, I don’t feel the sales team accurately represented what would actually be available to them.
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Beware
This company is a scam if you don't cancel it within the year they will auto renew and this is a very costly service and they won't refund you so I highly don't recommend this company
Misleading and unethical
Avoid at all costs! They will auto renew for over $2300 without your permission! Almost 100 complaints on BBB about their unethical practices.
Very bad
App needs a lot to be improved it freezes very often
Unsatisfied to Satisfied
I had a friend use Hearth and was ecstatic about how easy it was and the fact that they had a dedicated agent. So much so, that I referred Hearth to a friend without even being a customer.
I was excited to get started offering financing, being that we are in a higher ticket industry. Now, it was just a backup because we work with insurance on restoration projects. Key word, “backup”.
I signed up for the white glove service and had a great conversation with Taylor when signing up. Awesome guy and explained some newer things they were launching with AI call centers which I was SUPER pumped about. We did a demo and I was shocked at how good it was, which gave me a lot of confidence that Hearth is a forward thinking company.
Then I got to onboarding where things went sideways. To make a long story short, it’s not what I expected. I won’t make any outlandish claims, but it felt as if they REALLY wanted me to send out loan applications as fast as possible. I explained that this is just a backup, but she kept reemphasizing the importance sending out applications. I did not get an answer that I felt comfortable with, so I asked to cancel. She immediately conceived and sent a message to their billing department, didn’t even care to help at that point. I already bought the product, it’s not like she had to sell anything.
Then the billing team called and explained I didn’t qualify for a refund. I literally have had this for 1 month and haven’t used any of their resources. I was upset and pleaded that this was not fair and I wanted to speak to someone higher up. She denied me and said there’s no one above her. I became more frustrated to which she replied, “I am a woman and don’t appreciate you speaking that way.” I’ll admit, like I did above, I was upset. But by no means did her being by a woman have anything to do with that. The implied sexism turned me from upset, to furious. I have a wife and daughter that I provide for and for someone to say imply that I am acting a certain way based on gender is unfathomable.
From my experience, I can say that the product is pretty easy to use. But the service of this company is what potential clients need to look at. 3.5 stars says something about a company, be aware.
***update, Amanda Hester was gracious enough to give me a refund and heard my frustration. Love that. Thank you very much. Amanda is the rockstar at Hearth
I was excited to get started offering financing, being that we are in a higher ticket industry. Now, it was just a backup because we work with insurance on restoration projects. Key word, “backup”.
I signed up for the white glove service and had a great conversation with Taylor when signing up. Awesome guy and explained some newer things they were launching with AI call centers which I was SUPER pumped about. We did a demo and I was shocked at how good it was, which gave me a lot of confidence that Hearth is a forward thinking company.
Then I got to onboarding where things went sideways. To make a long story short, it’s not what I expected. I won’t make any outlandish claims, but it felt as if they REALLY wanted me to send out loan applications as fast as possible. I explained that this is just a backup, but she kept reemphasizing the importance sending out applications. I did not get an answer that I felt comfortable with, so I asked to cancel. She immediately conceived and sent a message to their billing department, didn’t even care to help at that point. I already bought the product, it’s not like she had to sell anything.
Then the billing team called and explained I didn’t qualify for a refund. I literally have had this for 1 month and haven’t used any of their resources. I was upset and pleaded that this was not fair and I wanted to speak to someone higher up. She denied me and said there’s no one above her. I became more frustrated to which she replied, “I am a woman and don’t appreciate you speaking that way.” I’ll admit, like I did above, I was upset. But by no means did her being by a woman have anything to do with that. The implied sexism turned me from upset, to furious. I have a wife and daughter that I provide for and for someone to say imply that I am acting a certain way based on gender is unfathomable.
From my experience, I can say that the product is pretty easy to use. But the service of this company is what potential clients need to look at. 3.5 stars says something about a company, be aware.
***update, Amanda Hester was gracious enough to give me a refund and heard my frustration. Love that. Thank you very much. Amanda is the rockstar at Hearth
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