- ✓ Takes about 60 seconds — a quick online form, no paperwork to mail or fax.
- ✓ Soft credit pull only — checking your rate does not affect your credit score.
- ✓ A hard credit inquiry only happens if you choose to accept a loan offer — your score isn't touched until then.
- ✓ Compare monthly payment options from Hearth's lender network before deciding anything.