Home Improvement Loan
A home improvement personal loan is an unsecured (no collateral) fixed-rate personal loan that is used for home renovations and repairs and repaid over a set length of time. Home improvement personal loans are a smart alternative to revolving high-interest credit cards and faster than tapping into home equity.
Instead of waiting for your house, condo, or apartment to accumulate enough equity for a cash-out refinance or home equity line of credit, you can get a personal loan for home upgrades in as little as a few days. No collateral, appraisal, or costly refinancing required. A personal loan for home improvements offers an easy, online application with eligibility based primarily on your credit score (not home value), fast funding, and affordable monthly payments.
Why choose a home improvement personal loan
Because eligibility is based on your creditworthiness (not on the fluctuating value of your home), getting a personal loan requires less time, less hassle, no home appraisal, and less paperwork than refinancing. And you get to decide exactly how the money will be used. Even if it's for more than home upgrades (like paying off credit cards). Additionally, your rate and monthly payments are fixed (not variable) over a set length of time, so you'll know exactly when your loan will be paid in full.
Checking your rate takes only minutes and won't impact your credit score. After checking your rate, here's what's next:
Choose your offer
If your loan request is approved, you’ll be able to review the loan amount, interest rate, APR, monthly payment, and loan term.
Confirm your information
We ask for your Social Security number, and about your income and employment. If we need any other documents or information, we'll let you know in your To-Do List. Then, hold tight while we look for your investors on our marketplace and wrap up your loan.
Get funded
Once your loan is funded, we’ll send the money directly to your bank account.
How quikly you can get a home improvement personal loan
We make it easy so you can check your rate in a few minutes! You can help keep things moving along by checking your To-Do List and making sure you have submitted all the documents and information requested.
Applying is easy and the entire process can be completed online using your phone, laptop, or tablet.
