shouldiuse.io

VERDICT

Should I use Hearth?

Estimating and invoicing software for contractors that helps home improvement pros sell more, faster. - gethearth.com

Depends. Worth it only if customer financing is central to how you close big-ticket home improvement jobs — and you calendar the renewal cancellation. Contractors wanting simple estimating or transparent pricing should look elsewhere.

Confidence

Medium. Based on ~25 public sources; pricing numbers thin, verdict leans on review-site and Reddit evidence.

Ratings

  • Value for money
  • Ease of useNo independent usability evidence found
  • Feature depth
  • Support quality
  • Security posture

Pricing

Hearth Pro

Not published in sources reviewed

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed

Best for

  • Big-ticket home improvement jobs
  • Contractors whose deals hinge on financing
  • Selling monthly payment options on-site
  • Remodelers needing e-sign estimates

Not for

  • Cash-based contractors who never offer financing
  • Handymen wanting simple invoicing only
  • Anyone avoiding auto-renewal contracts
  • Buyers demanding published, predictable pricing

Gotchas - check before you buy

high

Auto-renewal trap: third-party review says calendar cancellation 45 days before renewal

high

PissedConsumer: $1,799 charged 'without warning'

high

Financing APRs reported high even for immaculate credit

medium

Hudson Rock flags medium threat posture; 89 leaked credentials tied to the domain

Pros and cons

Pros

  • Customer financing: $1K–$250K loans, advertised rates from 7.99% APR
  • Claims no dealer fees for contractors on financing
  • Bundles estimates, invoicing, contracts, digital signatures, and payments
  • 4.6/5 'Excellent' TrustScore from roughly 1,489 reviewers
  • Published security disclosure policy and product security page

Cons

  • PissedConsumer reports a $1,799 charge made without warning
  • Reddit contractors call the financing experience unreliable and rate it poorly
  • High APRs reported even for customers with excellent credit
  • Unauthorized subscription renewal complaints from contractors
  • Tier costs not visible in public sources; pricing effectively demo-gated

Sources & method

Analyzed 9/21/2026 - 10 sources - No CVEs found; Hudson Rock flags medium threat posture with 89 infostealer credentials tied to the domain.

official x3review x6security x1
  • Infostealer credential exposure, Hudson Rock lists 89 credentials from found in cybercrime and ransomware logs, assessing a medium threat posture.

Key stats

  • Value for money: 2/5

    Rating

  • Not published in sources reviewed

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 2/5. Surprise-charge and renewal complaints dominate
  • Ease of use. No independent usability evidence found
  • Feature depth: 4/5. Financing plus estimates, contracts, e-sign, payments
  • Support quality: 3/5. Facebook praise versus billing complaints on Reddit
  • Security posture: 3/5. Disclosure policy published; infostealer exposure flagged
  • 4.6/5 Trustpilot rating ~1,489 reviews
  • $1K–$250K Customer loan range via financing marketplace
  • 7.99% Advertised APR floor 'as low as' — users report higher
  • 3 Subscription tiers Hearth Pro is the baseline

Pricing

Hearth Pro

Not published in sources reviewed

  • Baseline subscription tier
  • Access to financing marketplace

Security

No CVEs found; Hudson Rock flags medium threat posture with 89 infostealer credentials tied to the domain.

  • Infostealer credential exposureHudson Rock lists 89 credentials from found in cybercrime and ransomware logs, assessing a medium threat posture.10

What users say

Trustpilot is strong (4.6/5), but Reddit contractor threads and PissedConsumer flag surprise charges, high APRs, and unauthorized renewals.

“Financing is a great tool, Hearth is just trash. They got me by”
Reddit, r/Contractor
“Do NOT get Hearth. Their APR is always so high.”
Reddit, r/Roofing
“I find the support very good. At the very least their are no "dealer fees"”
Facebook, contractor group

Alternatives

Compare Hearth with each alternative.

  • Jobber

    Field-service suite; Hearth's own comparison cites Core at $49/mo

    Hearth vs Jobber

  • QuoteIQ

    Contractor estimating and financing alternative, targets solar installers

    Hearth vs QuoteIQ

  • Square Invoices

    Guess: simple invoicing if you skip financing entirely

Companies that use it

  • Ben Franklin Plumbing Delmarva
  • English Service Company
  • Allegiant Roofing
  • California Craftsman
  • Amish Direct Playsets
Full analysis

Based on ~25 public sources; pricing numbers thin, verdict leans on review-site and Reddit evidence.

Financing-first toolkit that closes deals — but surprise charges, high APRs, and renewal traps dominate contractor complaints.

Methodology

Based on ~25 public sources; pricing numbers thin, verdict leans on review-site and Reddit evidence.

Sources

  1. Hearth: Best Contractor Estimating & Invoicing Softwaregethearth.com
    official
  2. Hearth Pricing | Plans for Every Stage of Growthgethearth.com
    official
  3. Contractor Financing for Your Customers | Hearthgethearth.com
    official
  4. Hearth Reviews | Trustpilottrustpilot.com
    review
  5. Hearth Finance — Reddit r/Contractorreddit.com
    review
  6. Financing? Roofing contractor — Reddit r/Roofingreddit.com
    review
  7. Hearth Financing Never Works + Unauthorized Renewal — Redditreddit.com
    review
  8. Hearth Financing Reviews — PissedConsumerhearth-financing.pissedconsumer.com
    review
  9. Hearth Review 2026: Pricing, Pros and Cons — Fervor Studiofervorstudio.ca
    review
  10. Infostealer Credentials — Hudson Rockhudsonrock.com
    security

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