See Your Home Improvement Personal Loan Options

Fix up, improve, upgrade, repair, or modify your home with a home improvement loan. Get matched with lenders who work fast to get you the money you need.

Always free and will not impact your credit score.

What Can You Use a Home Improvement Loan For?

Cover big and small home improvement and repair projects with a personal loan. Some reasons include:


Home renovation

You’re looking to update and modernize your home, or you live in an old home and want to do a historical renovation.


Home improvement

You need to add a sunroom, new windows, a new roof, or anything you can imagine making your home more energy efficient and livable.


Home modifications

People with disabilities or people who have decided to stay in their homes as they age can modify their homes to make home features more accessible and comfortable.


Deferred maintenance

The big-ticket maintenance items you’ve been putting off because of the cost can be tackled with a home improvement loan.


Preparing for home sale

Upgrade and correct the parts of your home that could be turning potential buyers away and get top dollar for your home.


Unexpected home repairs

Whether it’s a broken air conditioner in August or a burst pipe in January, get the money you need for emergency home repairs.

Who Benefits from a Personal Loan for Home Improvement?

Any homeowner who needs money to fix or improve their home is a good candidate for a home improvement loan, including:

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You don’t want to use your home for collateral
Unlike with a second mortgage or home equity line of credit, you’re not securing your loan with your home as collateral.
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You don’t need a lot of money
While personal loans come in amounts as low as $2,000, second mortgages and HELOCs are based on your equity and you could end up borrowing more than you need.
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Your credit card APR is high
Rather than using your credit card for home improvement at high interest, you could get a personal loan at a lower APR and save hundreds or thousands of dollars in interest
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You don’t have savings or don’t want to use all your savings
You don’t have to bleed your savings account dry or take money out of your retirement account.
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Start your project faster
A home equity loan or second mortgage can take several weeks to get approved and funded, while personal loans typically take a few days.
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Tell us a bit about yourself and your financial situation and let us help you find the best loan to improve your home.

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Our loan experts are great listeners and are waiting to help you and lead you through the process if that’s what you require.

Home Improvement Loan FAQs

Learn more about home improvement loans.

What is the downside to a home equity loan?

When you use home equity to fix up your home, in the event you get behind on that loan or can’t pay, you could lose your home, even if you are on-time with your mortgage payments.

Can I payoff a home improvement loan early?

In most cases you can pay off a personal loan early but check with your lender to see if there’s a prepayment penalty on your loan.

How much does it cost to get a home improvement loan?

Most lenders have an origination fee, but you may find that the fees associated with obtaining a personal loan are less than those that come with a home equity loan. One big difference is that you usually have to pay for a home appraisal for any home improvement loan that uses your house as collateral.

Is a home improvement loan worth it?

Home improvements usually increase the value of your home and amplify the enjoyment and comfort of your home, so in that sense, a home improvement loan could be worthwhile. You will need to weigh the benefits based on your personal situation.