I had a terrible experience with Hearth.
They processed an annual auto-renewal charge claiming I signed a contract authorizing it — but when I asked for proof, they could not provide any legitimate evidence. The “contract” they sent only had my name printed on it. There was no actual signature, no DocuSign, no electronic audit trail, and no proof I ever clicked to accept the agreement. They also couldn’t provide a recorded call or any confirmation showing I authorized someone to sign on my behalf.
To make it worse, one of the documents they sent had inconsistent dates, even referencing an agreement from 2018 — which is impossible because I didn’t even use Hearth back then. I only signed up last season.
The service itself was not helpful. None of my clients ended up using Hearth financing because the interest rates were higher than what they could get through their credit unions. The support also did not match what was advertised.
When I reached out to dispute the renewal, their refunds department was not helpful and only repeated policy language instead of addressing the lack of proof that I ever agreed to anything. Management responded with a generic email saying no refund was possible due to auto-renewal — again without providing any evidence of consent.
What’s concerning is that this appears to be a pattern. Hearth currently has 83 complaints on the Better Business Bureau, with 47 of those complaints filed within the last 12 months alone — many related to unauthorized charges and disputed contracts.
I would strongly caution anyone considering this service. Between the poor value, lack of transparency, and questionable billing practices, this has been a very frustrating experience.
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Hearth helps home service businesses win more jobs, generate more revenue, and successfully scale. Partnering with Hearth means providing competitive financing offers to customers with FICO scores as low as 550 and no dealer fees, while gaining access to digital tools for payments, estimates, and more from the convenience of your phone. If you’re a contractor looking to grow your business, you’re in the right place.See more
