​See your personalized monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity is required.​

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Here are some quick tips:

• Apply for a low amount. Think 1/4 of your annual salary. If you get qualified, they will automatically show you the highest amount you're qualified for. Otherwise, you may get rejected, and never know what you can qualify for.

• Hearth wants to give you a loan. If you don't succeed, call them and they'll advise you.