Hearth Review 2026: Pricing, Pros, Cons, Alternatives

Start here if Hearth is on your shortlist

Hearth earns its money with Solo owners and crews of roughly 2 to 10 selling residential replacement and remodel work, roofing, HVAC, siding, windows, fencing, decks, pools, at ticket sizes between about $5,000 and $60,000, where the owner will genuinely run dozens of financing applications a year and wants the dealer fee off every one of them. If that's you, it does the job. The sections below are the parts worth checking before you sign. But the fit is narrower than the marketing suggests, and the price isn't the whole cost.

The vendor publishes no price. But every number below was verified on 7 August 2026 and comes from a named third party that says which.

Hearth fit, and where it stops

It fits Solo owners and crews of roughly 2 to 10 selling residential replacement and remodel work, roofing, HVAC, siding, windows, fencing, decks, pools, at ticket sizes between about $5,000 and $60,000, where the owner will genuinely run dozens of financing applications a year and wants the dealer fee off every one of them. That's the half most reviews print. Here's the other half, which is the one worth your time.

Don't buy it if you're Commercial, industrial or institutional contractors, and anyone financing work for a business, church, HOA or other entity. Hearth's lending panel writes personal loans only. Its own financing FAQ says 'No, hearth partners with lenders that offer personal loans. This means that it will need to be an individual that applies for financing. It cannot be under a business, church, HOA name etc.' And the lenders also refuse ITINs and require a Social Security number, which cuts out part of the residential market too. Look at BuildOps instead.

Don't buy it if you're Shops that will realistically send fewer than ten financing applications a year. The whole cost is a fixed four-figure annual prepayment that doesn't scale with usage, and Hearth takes no dealer fee per funded loan. At the reviewer-reported $1,499–$2,500 band, ten funded jobs a year means $150–$250 of subscription per financed job; two funded jobs means $750–$1,250 each. So a marketplace that charges nothing up front costs nothing when the pipeline is thin. Look at Acorn Finance instead.

Don't buy it if you're Contractors who want the financing tool to be their CRM and system of record. Export is contacts-only, pending contracts are destroyed when the subscription ends, there's no open API, and the only accounting connector is QuickBooks Online. And reviewers describe losing quotes and clients on app backgrounding. So anything that has to survive a vendor change shouldn't live inside Hearth. Look at Housecall Pro instead.

Don't buy it if you're Multi-location and franchise operators above roughly ten seats. Seats are capped by plan, Essentials allows no additional team members at all, Pro includes five, Elite includes ten, and each additional location is a $999-a-year add-on that includes no seats. And the franchise route on the pricing page is a demo request with no published number. Look at ServiceTitan instead.

Hearth's price, and the part that isn't the price

Hearth doesn't publish a price. That's the finding, not a gap in this page: you can't compare this product on cost until someone quotes you.

The vendor's own wording is this, and nothing more: "Hearth ships a page at gethearth.com/pricing/ whose title tag reads 'Hearth Pricing | Plans for Every Stage of Growth'. It names three tiers (Hearth Pro, Pro + Harper, Enterprise), lists what each one includes, and prints no price on any of them. Every tier's call to action is the same button. The only dollar figures in the raw HTML of that page are '$0' (dealer fees), '$500M' (jobs funded) and '$30' (a testimonial). The Terms then explain where the number actually lives, and it is not anywhere a prospect can read it. The help centre publishes five add-on prices but no plan price, so a buyer can learn that Premium Support costs $299 a year without ever learning what the plan it attaches to costs." So treat every third-party page printing tier names and figures for Hearth with careful suspicion. Those numbers are not on the vendor's site today, and a roundup that reprints them is telling you what Hearth used to charge somebody else.

And we aren't going to print a per-month number we can't open a vendor page and read. What exists instead is third-party reporting, dated, from people who saw real contracts. Read it as a range rather than as a quote you can hold anyone to.

Hearth prices per account with seats bundled by plan, never per user, and the seat model is documented only in the help centre, never on the pricing page. Essentials includes no team members at all ('User management is not available for members on the Essentials Plan'). Pro includes 5 users. Elite includes 10. Extra seats are $99 per seat per year and are sold only on Pro and Elite. A Pro account that needs more than 10 seats has to move to Elite. Role granularity is two levels: an Admin sees everything and can add users, a Team Member sees only the clients and items they personally sent, cannot edit payment information and cannot request account changes. Promoting an existing user to Admin is not self-serve, the current Admin has to phone Hearth Support.

There is a discount for paying annually up front: There is no annual discount because there is no monthly option to discount. Every price Hearth publishes anywhere is annual: all five add-ons are quoted '/ year', the 60-day money-back guarantee is measured from 'your initial purchase', and every contractor who names a figure in a public review names a single yearly charge. Buying Hearth means prepaying twelve months. And an annual prepay discount tells you an annual commitment exists, which is worth knowing before anyone mentions a term length out loud.

Everything that isn't the Hearth subscription

Payment processing. Two schedules, depending on which processor your account sits on, and Hearth does not tell prospects which they will get. PayEngine accounts: 2.99% debit/credit, 0.75% ACH capped at $10 per transaction, funds next business day, fees batched into one end-of-month deduction that appears on the bank statement as 'Platform Factory'. Legacy Stripe accounts: 2.99% credit and debit, 1% ACH with no cap stated, 2.69% Tap to Pay, no fee for a standard bank transfer but 1.5% for an instant transfer to a debit card; card funds become available in 2–3 business days and ACH in 2–4. Refunds take 5–10 business days. The PayEngine example makes clear the ACH fee can be passed to the homeowner: 'Your customer pays the $2,000 via ACH and pays the $10.00 fee.'

Implementation and onboarding. No implementation fee is published anywhere. The Enterprise tier lists 'Implementation tools & service' and 'Optional: On-Site Implementation' as bundled or optional line items with no price and no indication of whether the on-site option is chargeable. Hearth does publish daily training webinars and a 'Your First 30 Days with Hearth: Setup & Funding Checklist' article, which suggests self-serve onboarding is the norm on the lower tiers.

Minimum term. One year, prepaid. Hearth never states this on the pricing page, but every published add-on price is annual, the money-back guarantee runs 60 days from 'initial purchase', and contractor after contractor describes a single up-front charge covering twelve months with no proration on exit. App Store reviewer robnmt: 'You have to pay for the full year and the criteria for a refund are impossible to meet. So you are stuck with it for 12 months regardless.'

Getting out. There is no early-termination fee because there is nothing to terminate early, you have already paid. The Terms make the consequence explicit: if you reject a change to the Terms or the fees, 'you may opt out of any renewal or terminate your usage of the Services (without any refund).' Cancelling mid-term forfeits the balance of the year. The one documented exit with money back is the 60-day guarantee, which requires ten financing applications and zero approvals.

Auto-renewal. Hearth's public Terms never describe the renewal mechanism; they only reference 'any renewal' and reserve the right to 'modify or increase subscription fees at renewal'. The mechanism itself lives in the unpublished Hearth Contractor Agreement. What contractors report consistently: the subscription renews for another full year automatically, the renewal notice is emailed (Hearth's position) or never arrives (theirs), refunds are refused after the charge, and the practical cancellation window is described by reviewers as 30 days before renewal. One App Store reviewer reports being told cancellation had to be mailed: 'You are not allowed to cancel until you write and send cancellation via USPS.' The BBB profile carries 96 complaints in three years, 38 closed in the last twelve months, on an otherwise A-rated, accredited business.

Modules sold separately. , , , , . But the entry tier is not the price you'll pay. Add the modules your shop needs on day one and compare Hearth on that total.

Third-party services you will also pay for. , , . These are not on Hearth's invoice, and they are still part of what this decision costs you every month.

"Third-party reporting puts Hearth at $1,499 per year (entry), reported 2026-08-07."

Capterra lists Hearth's starting price as $1,499, flat rate, per year, with no free trial and no free version. (8-07)

Everything that is not the Hearth subscription

The subscription is the part everyone quotes. These are the lines that land afterwards, and the ones we could not find are named as unpublished rather than left blank.

Sold separately. , , , , . Price the configuration you'll really run, because an add-on you need on day one is part of the price.

Third-party services you'll also pay for. , , . None of these are on Hearth's invoice, and all of them are part of what this decision costs every month.

The six workflows you pay for

Feature totals are noise. So a shop in this category lives or dies on six things, and those are the six to grade, and each one below carries the evidence it's graded on.

The homeowner borrows, the contractor never touches the money, and the contractor pays the platform instead of the lender The contractor sends a financing link from a quote, invoice or contract. The homeowner completes a soft-pull prequalification online, Hearth won't take it in person or over the phone, and picks from offers across a panel Hearth describes as '18+ lending partners.' And funds go to the homeowner by wire, or arrive as a physical 0% intro APR card in the mail, and the homeowner then pays the contractor. Loan amounts run $1,000 to $250,000 (Georgia starts at $3,000, Ohio at $5,000) with terms Hearth describes as 2 to 12 years on the marketing page and 1 to 12 years in the help centre.

There is no dealer fee, but there is an origination fee, the homeowner pays it Hearth's differentiator is that the contractor is never charged per funded loan. But the cost doesn't vanish; it moves onto the borrower. Hearth's own help centre explains that lenders take a one-time origination fee 'usually a percentage of your total loan amount, most often between 1% and 10%,' deducted from the loan proceeds before the homeowner receives the money, and that it is 'not refundable' even on early payoff. So on a $10,000 loan at 5%, the homeowner receives $9,500 and owes $10,000.

Processing fees are batched to one end-of-month deduction, and they land on your bank statement under someone else's name On PayEngine, Hearth doesn't net processing fees out of each payout. So you receive the gross amount next business day and the month's fees come out in a single transaction against a statement. Contractors can opt back into per-transaction deduction, but only by phoning support. And Hearth also warns that the deduction shows on bank statements as 'Platform Factory', a descriptor that appears nowhere in the product and won't match anything your bookkeeper is looking for.

Team members can only see their own work, and only an admin can promote anyone, by phoning Hearth Hearth splits roles two ways. A Team Member sees only the clients and items they personally sent and can't edit payment information or request account changes. An Admin sees everything. But promoting an existing user to Admin isn't a setting: 'the current Admin must contact Hearth Support to request the role change.' And invitations expire after 24 hours, and removing a pending invite also requires contacting support.

Quotes, contracts and invoices all live inside the subscription, and the contract layer dies with it Hearth bundles quoting, e-signature contracts, invoicing and payment collection into every plan, with itemised or basic invoices, scheduled invoices, milestone payments and job-phased invoicing. But the catch is in the Contracts terms: access 'will terminate concurrently with your current subscription of Hearth' and on termination 'you will lose access to any pending and unexecuted contracts sent via the Platform.' So a contract sitting unsigned on the day you lapse is simply gone.

Harper is sold as an AI receptionist and follow-up chaser, with the accuracy risk pushed onto the contractor The mid tier adds Harper: an AI receptionist that answers calls, AI text follow-up you approve before it sends, loan-assist chasing applications to funding, and a social post generator. And Hearth's terms are blunt about who owns the output: 'HEARTH DISCLAIMS ALL LIABILITY ARISING FROM AI-GENERATED PAYMENT OUTPUT, AND YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ACCURACY BEFORE RELYING ON ANY SUCH OUTPUT,' and Hearth reserves the right to 'modify, update, or replace HearthAI models, responses, or automated behaviors at any time.'

Which trades get value from Hearth

Your books, and whether Hearth connects to them

QuickBooks Online connects both ways, on every plan. QuickBooks Desktop connects, on every plan. Your costs map through cost codes, so test yours against your own chart of accounts before you commit. A code your books don't recognise is how a labour charge quietly lands somewhere useless.

Past those, the road ends. Any open API, Xero, Zapier / Make / webhooks, ServiceTitan, Jobber, Housecall Pro, JobNimbus and every other field-service system, Roofing and exterior measurement tools (EagleView, Hover, iRoofing) do not connect. So if your books run on an ERP rather than the platforms named above, weigh that before anything else.

Beyond accounting it connects to Stripe (Original payment processor and the named money transmitter for Hearth Payments (NMLS # 1280479). Card 2.99%, ACH 1%, Tap to Pay 2.69%, instant transfer to debit 1.5%.), PayEngine (Current payment processor. Card 2.99%, ACH 0.75% capped at $10, next-business-day funding, fees deducted once a month, statement descriptor 'Platform Factory'.), Housecall Pro (Not a data integration. Hearth's own instruction is to paste your financing link into Housecall Pro invoice templates and to disable Housecall Pro's built-in Wisetack financing banner so the two do not compete.), Jobber (Named in Hearth's Integrations/API article as a platform Hearth 'can also work alongside'. No connector, no article, no data exchange documented.), Aven (A lending partner behind the low-interest HELOC option, with a published list of unsupported states and counties.), Google Voice / Vonage / other VoIP (Call-forwarding targets so the Harper AI receptionist can answer the business line. Each has its own help-centre article.), Google / Apple / Outlook calendars (Calendar sync for Hearth's scheduling module.), Facebook (Social sharing for the financing link and the Harper social-post creator; the help centre also documents a 'User Opted out of Platform' sharing failure.). A public API exists: At this time, Hearth does not offer an open API.

Hearth support, and what it costs you

What happens when you want to leave Hearth

Nobody reads this section before they buy, and it's the one that costs money afterwards. Four terms decide what leaving looks like.

Minimum term. One year, prepaid. Hearth never states this on the pricing page, but every published add-on price is annual, the money-back guarantee runs 60 days from 'initial purchase', and contractor after contractor describes a single up-front charge covering twelve months with no proration on exit. App Store reviewer robnmt: 'You have to pay for the full year and the criteria for a refund are impossible to meet. So you are stuck with it for 12 months regardless.'

Auto-renewal. Hearth's public Terms never describe the renewal mechanism; they only reference 'any renewal' and reserve the right to 'modify or increase subscription fees at renewal'. The mechanism itself lives in the unpublished Hearth Contractor Agreement. What contractors report consistently: the subscription renews for another full year automatically, the renewal notice is emailed (Hearth's position) or never arrives (theirs), refunds are refused after the charge, and the practical cancellation window is described by reviewers as 30 days before renewal. One App Store reviewer reports being told cancellation had to be mailed: 'You are not allowed to cancel until you write and send cancellation via USPS.' The BBB profile carries 96 complaints in three years, 38 closed in the last twelve months, on an otherwise A-rated, accredited business.

Early termination. There is no early-termination fee because there is nothing to terminate early, you have already paid. The Terms make the consequence explicit: if you reject a change to the Terms or the fees, 'you may opt out of any renewal or terminate your usage of the Services (without any refund).' Cancelling mid-term forfeits the balance of the year. The one documented exit with money back is the 60-day guarantee, which requires ten financing applications and zero approvals.

Payment processing. Two schedules, depending on which processor your account sits on, and Hearth does not tell prospects which they will get. PayEngine accounts: 2.99% debit/credit, 0.75% ACH capped at $10 per transaction, funds next business day, fees batched into one end-of-month deduction that appears on the bank statement as 'Platform Factory'. Legacy Stripe accounts: 2.99% credit and debit, 1% ACH with no cap stated, 2.69% Tap to Pay, no fee for a standard bank transfer but 1.5% for an instant transfer to a debit card; card funds become available in 2–3 business days and ACH in 2–4. Refunds take 5–10 business days. The PayEngine example makes clear the ACH fee can be passed to the homeowner: 'Your customer pays the $2,000 via ACH and pays the $10.00 fee.'

What Hearth operators say, in their own words

Hearth and the alternatives, side by side

Here's the shortlist Hearth competes against in real deals. Some of these will tell you the price tonight. That difference tells you how the sales conversation is going to go.

Acorn Finance. Costing nothing when the pipeline is thin. Acorn is free to the contractor, states 'No dealer fees' and 'free for contractors' on its own contractor page, and shows a homeowner pre-qualified offers from a lender panel with no hard pull. So a shop that finances six jobs a year pays Acorn nothing and Hearth a four-figure sum. But Acorn is a financing marketplace and nothing else, no quotes, no contracts, no invoicing, no payment processing, no AI receptionist. So if you wanted Hearth to replace three tools, Acorn replaces one.

Financeit. Publishing the cost model plainly: 'Yes, Financeit is free to use. We do not charge subscription nor transaction fees and you can use our standard program at no cost to you.' But promotional programs carry a contractor-side cost as a percentage of the purchase, which is at least disclosed as a mechanism. But Canada-centred, so US coverage and lender panel differ. And promotional-rate buy-down costs are quoted privately by an account manager rather than published, so the promo side is as opaque as Hearth's subscription.

Wisetack. Being the alternative Hearth's own unhappy customers name. Capterra reviewer Jason C. wrote that he 'wouldn't even know how bad Hearth was' without the opposite experience at Wisetack. Wisetack publishes its consumer APR band openly, '0 to 35.9% APR based on amount requested and creditworthiness', with 'no prepaid finance charges or participation fees' and terms of 3 to 120 months. But Wisetack doesn't publish a merchant fee schedule on its merchant FAQ, so the contractor-side cost of the 0% APR programmes has to be quoted. And it's also financing only, with no quoting, invoicing or CRM layer.

WEX Field Service Management (formerly Payzerware). Publishing an actual entry number and waiving it on volume, the $69 monthly Payment Options tier is waived in any month where settled card and loan volume exceeds $25,000. So that's a usage-aligned fee, the opposite of a fixed annual prepayment. But The two real tiers, Enterprise and Unlimited, print no price at all, so the moment you need more than payments you're back in a demo. And consumer financing sits behind a separate lending relationship rather than an 18-lender marketplace.

Housecall Pro. Publishing three plan prices on a public page, offering a 14-day free trial, and being a real system of record with QuickBooks Online and Desktop support. And its built-in consumer financing runs through Wisetack, so a Housecall Pro shop can offer monthly payments without buying a second subscription at all. But The financing panel is narrower than Hearth's 18-plus lenders, and Housecall Pro is a full field-service platform, if all you want is a financing link, you're paying for dispatch, scheduling and marketing you may not use.

Who should not buy Hearth

Don't buy Hearth if you're Commercial, industrial or institutional contractors, and anyone financing work for a business, church, HOA or other entity. Hearth's lending panel writes personal loans only. Its own financing FAQ says 'No, hearth partners with lenders that offer personal loans. This means that it will need to be an individual that applies for financing. It cannot be under a business, church, HOA name etc.' And the lenders also refuse ITINs and require a Social Security number, which cuts out part of the residential market too. Look at BuildOps instead.

Don't buy Hearth if you're Shops that will realistically send fewer than ten financing applications a year. The whole cost is a fixed four-figure annual prepayment that doesn't scale with usage, and Hearth takes no dealer fee per funded loan. At the reviewer-reported $1,499–$2,500 band, ten funded jobs a year means $150–$250 of subscription per financed job; two funded jobs means $750–$1,250 each. So a marketplace that charges nothing up front costs nothing when the pipeline is thin. Look at Acorn Finance instead.

Don't buy Hearth if you're Contractors who want the financing tool to be their CRM and system of record. Export is contacts-only, pending contracts are destroyed when the subscription ends, there's no open API, and the only accounting connector is QuickBooks Online. And reviewers describe losing quotes and clients on app backgrounding. So anything that has to survive a vendor change shouldn't live inside Hearth. Look at Housecall Pro instead.

Don't buy Hearth if you're Multi-location and franchise operators above roughly ten seats. Seats are capped by plan, Essentials allows no additional team members at all, Pro includes five, Elite includes ten, and each additional location is a $999-a-year add-on that includes no seats. And the franchise route on the pricing page is a demo request with no published number. Look at ServiceTitan instead.

The verdict, by shop size

Solo owner, under about $500K revenue, occasional financed jobs

No. A fixed four-figure annual prepayment against a handful of financed jobs is the worst possible shape of cost at this size. At the reviewer-reported $1,499–$2,500 band, three funded jobs a year means $500–$833 of subscription per job, more than the dealer fee Hearth exists to eliminate. And Acorn Finance and Financeit both cost $0 and both publish that they cost $0. So take the free marketplace, keep the cash, and revisit Hearth when your financed-job count is in double digits. This band runs 1 to 2 on the crew, doing residential work, and that's the profile the recommendation is written for.

Growing residential crew, 3–10 people, high-ticket replacement work, financing on most jobs

Only under conditions, and they are worth being honest about. This is the band where the maths can work: no dealer fee across dozens of funded jobs a year genuinely beats a percentage-per-loan model, and the bundled quoting, contracts and invoicing can retire a second subscription. But the conditions are hard ones. So get the Hearth Contractor Agreement and the order form in writing before signing, confirm the renewal date and notice window in that document rather than in policy, confirm which payment processor you will be on and what the ACH cap is, and pilot the mobile app for two weeks on your crew's actual phones, because the app carries 3.4 stars across 297 App Store ratings and the recurring failure mode reviewers describe is losing quotes and clients on backgrounding. This band runs 3 to 10 on the crew, doing residential work, and that's the profile the recommendation is written for.

Commercial, industrial or institutional contractors, or any job financed by a business entity

No. Hearth's entire lending panel writes personal loans to individuals. Its own FAQ says commercial financing is not offered and that the application 'cannot be under a business, church, HOA name etc.' And the lenders also reject ITINs. So nothing about the product fits a commercial buyer, and the annual subscription buys a marketplace you structurally can't use. This band runs 1 or more on the crew, doing commercial and service work, and that's the profile the recommendation is written for.

Restoration and insurance-funded work

No. When the carrier pays, consumer financing is a deductible-sized backstop at most, which puts you far below the volume that justifies a prepaid annual fee. The App Store reviewer who bought Hearth explicitly as a 'backup' for insurance restoration work describes onboarding pressure to send applications fast and a refund refusal one month in. So buy a free marketplace for the deductible cases instead. This band runs 1 or more on the crew, doing insurance and residential work, and that's the profile the recommendation is written for.

Multi-location or franchise operations above 10 seats

Only under conditions, and they are worth being honest about. Hearth does have a franchise and multi-location story, but the seat ceiling is real, Elite includes 10 users, extra seats are $99 a year each, and each additional branded location is $999 a year with no seats included. And every one of those numbers sits on top of an unpublished base plan price. So only proceed with a written, multi-year quote covering the base plan, the seat count, every location and the renewal escalator, because the Terms reserve the right to raise fees at renewal. This band runs 11 or more on the crew, doing residential work, and that's the profile the recommendation is written for.

What we read on Hearth, and what we couldn't get to

We didn't run Hearth on a live job, and we won't imply otherwise. And what stands behind it is documentary: 23 vendor pages read on 7 August 2026, and a review corpus sorted by what went wrong. Pricing was verified the same day, and every figure above traces to a page we opened.

So: 14 quotes on this page, nine from Apple App Store (Hearth for Contractors, id1383073333), four from Capterra and one from Better Business Bureau customer review (Hearth / Shogun Enterprises Inc.).

And https://www.trustpilot.com/review/gethearth.com, 403 to both curl and WebFetch, despite two App Store reviewers pointing to Trustpilot one-star reviews as corroboration, https://www.g2.com/products/hearth/reviews, 403, https://www.softwareadvice.com/construction/hearth-profile/, 403 to curl; the Software Advice URL that does resolve (product 497577, Hearth-Pay) is the same Gartner pool as Capterra and GetApp, Raw HTML for capterra.com, getapp.com and bbb.org, all 403 to curl with full browser headers, so the Capterra $1,499 starting price, the 2.0/9-review figure and the BBB 2.31/126 and 96-complaint figures were read from rendered pages only and could not be grep-verified against source and Reddit, not reachable refused automated retrieval for Hearth. Forum and social threads are the ones people most want quoted, and they are exactly the ones we cannot verify, so none of them are here.

What that leaves untested: the Hearth Contractor Agreement and the order form, referenced by the Terms as the document containing all fees, renewal and refund mechanics, but published nowhere. And everything above is 23 vendor pages and a review corpus, which is documentary rather than hands-on.