Hearth vs Jobber:
Fees, Lenders & Which Fits Your Business
The short answer
Side-by-side
| Hearth | Jobber | |
|---|---|---|
| Revenue model (battle card) | — | Subscription |
| What the contractor pays | Flat annual subscription; $0 per financed transaction | Software subscription (Core $29/mo billed annually or $49/mo monthly, higher tiers above) plus a flat 3.9% fee to the contractor on each financed amount via the native Wisetack integration, deducted before payout. |
| Software cost | — | Plans (archived vendor pricing page, May 2026): Core $49/mo monthly or $29/mo billed annually (1 user); Connect $139/mo or $99/mo annually (1 user) / $199 or $149-169 annually (5 users); Grow $199/mo or $149/mo annually (1 user) / $399 or $299 annually (10 users); Plus $699/mo or $529/mo billed annually (15 users). Card processing 2.9% + 30¢ online, 2.7% + 30¢ in-person, ACH 1%. |
| Financing cost | — | Flat 3.9% fee to the contractor on each financed amount (deducted before payout; 'Net' deposited to bank). No subscription fee for the financing feature itself. Payout arrives 1–3 business days after the client confirms work completion. |
| Dealer fees | No | For subprime |
| Enrollment fee | Yes | $49 / $149 / $299 |
| Contractor paid upfront | Yes | No |
| Financing partner | — | Wisetack (native integration; contractor applies to Wisetack via Jobber App Marketplace, ~5 business days to process). |
| Lending partner | 17 | Wisetack (1 bank) |
| Apply to multiple lenders at once | Yes | No |
| See application status | Yes | No |
| Loan amounts | $1,000 – $250,000 | Financing is automatically offered on residential quotes between $500 and $25,000 (to comply with fair-lending rules). One-off residential work only, completed within 90 days; deposits are excluded from the financed amount. |
| Credit limit | $250,000 | $25,000 |
| Loan type | Installment | Installment |
| Interest-free plans | Yes | Yes |
| APR range | From 7.99% APR (varies by lender and credit) | Wisetack offers range 0%–35.9% APR based on amount and creditworthiness; terms range 3–120 months (vary by merchant/lender/transaction size); simple interest, no prepayment/late/origination fees. |
| Credit model | Soft-pull prequalification; lenders serve a wide credit spectrum (FICO down to ~550 on some offers) | Soft credit pull to check eligibility/options (no credit-score impact to prequalify); accepting an offer and repayment behavior can affect credit. |
| Credit score (FICO) | All | All |
| Soft credit pull | Yes | Yes |
| Markets served | Home Improvement | Home Improvement |
| Eligibility restrictions | — | US only; one-off work industries only. Ineligible verticals: pool & spa, residential cleaning, commercial cleaning, window washing, snow removal. Wisetack approval requires ~10+ online reviews averaging ~4.5 stars and >$12,500 monthly (or $150,000 annual) revenue. |
| Size & stage | 5 years in business; ~200 employees | Mature startup |
Every Jobber cell above is sourced (see footer). Rates and terms vary by lender and customer credit.
Where Jobber falls short
- Max approval is $25k
- Only one funding partner
- Dealer fees if subprime
- No cobranded finance page
- Contractor paid after job
- No native financing — financing offered through a single lender integration (Wisetack)
- Core focus is business management (CRM, scheduling, dispatch), not financing
Source: Hearth competitive battle card and sales objection research (internal, reviewed 2026).
Hearth vs Jobber FAQ
How much does Jobber cost contractors?
Software subscription (Core $29/mo billed annually or $49/mo monthly, higher tiers above) plus a flat 3.9% fee to the contractor on each financed amount via the native Wisetack integration, deducted before payout.
Does Hearth charge a dealer fee per loan?
No. Hearth is a flat annual subscription — most companies invest between $2,000–6,000/yr depending on the level of service, plus a one-time $99 setup fee. Financing offers come from third-party lenders and the contractor pays no per-transaction fee.
How do approvals compare between Hearth and Jobber?
Hearth shows soft-pull personalized offers from an 18-lender marketplace serving a wide credit spectrum. Jobber: Soft credit pull to check eligibility/options (no credit-score impact to prequalify); accepting an offer and repayment behavior can affect credit.
Can I switch to Hearth mid-season?
Yes. Onboarding is self-serve; most contractors send their first financed quote the same week. There is no per-loan fee to model — one flat subscription.
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More than financing — your front office, handled
Harper, your AI assistant
Harper answers the calls you miss, captures leads after hours, and introduces monthly-payment options automatically — so no job inquiry slips through while you're on site.
Concierge onboarding
Hearth's concierge team sets financing up inside your sales process and trains your team, so offering payment options is seamless from day one.