From kitchen makeovers to whole-home remodels, get the financing you need to turn your vision into reality. Competitive rates, flexible terms, and funding as fast as 24 hours.
$5K - $100K
Loan Range
From 5.99%
APR Available
12-144 Months
Flexible Terms
Getting funded for your renovation project is easier than you think. Our streamlined process helps you go from application to approval in as little as 24 hours.
Get estimates and define your renovation goals and budget.
Apply online in minutes. No home appraisal needed.
Receive competitive offers and choose the best terms for you.
Funds deposited directly. Begin your home transformation today.
From minor updates to major renovations, our loans cover every type of home improvement project you can imagine.
Cabinetry, countertops, appliances, flooring, lighting, and complete kitchen overhauls.
$15,000 - $75,000
New fixtures, tile work, vanity installation, walk-in showers, and bathroom expansions.
$8,000 - $40,000
Add extra bedrooms, home offices, sunrooms, in-law suites, or bonus rooms.
$30,000 - $150,000
Solar panels, new windows, HVAC systems, insulation, and smart home upgrades.
$10,000 - $50,000
Decks, patios, landscaping, pools, outdoor kitchens, and fence installation.
$12,000 - $60,000
Complete roof replacement, siding updates, gutter systems, and exterior repairs.
$8,000 - $45,000
Convert unfinished basements into living spaces, home theaters, or gyms.
$20,000 - $75,000
Garage construction, garage door replacement, and custom storage solutions.
$15,000 - $50,000
Wheelchair ramps, grab bars, stairlifts, walk-in tubs, and aging-in-place mods.
$5,000 - $30,000
Skip the hassle of home equity loans or lines of credit. Our personal home improvement loans offer significant advantages that make financing your renovation simpler and faster.
Unlike home equity loans, you don't need to have your home appraised, saving time and money.
Don't tap into the equity you've built. Keep your home's value protected for other opportunities.
No restrictions on contractors or materials. Hire whoever you want and buy whatever you need.
Get approved in hours, not weeks. Start your project days sooner than with traditional financing.
Pro Tip: Apply today to get started on your renovation project.
Home improvements aren't just about comfort—they're smart financial decisions that pay off when it's time to sell.
70-80%
ROI at Resale
60-70%
ROI at Resale
68-85%
ROI at Resale
65-80%
ROI at Resale
According to Remodeling Magazine's Cost vs. Value Report, the average home remodel recoups 60-70% of its cost at resale. But the real benefit? You get to enjoy the improvements while you live there.
The best time to renovate is when you can afford to enjoy the results.
Everything you need to know about home improvement loans.
Home improvement loans through our network typically range from $5,000 to $100,000. The exact amount you qualify for depends on your creditworthiness, income, and other factors. Most borrowers qualify for $15,000 to $50,000 for typical renovation projects.
While better credit typically means better rates, we work with lenders who consider applicants across all credit ranges. A credit score of 580 or higher generally qualifies for most options, though lower scores may see higher rates. Submit your application to see what options you qualify for.
A home improvement loan is an unsecured personal loan that doesn't require collateral or home appraisal. Home equity loans use your home as collateral and require appraisals, title searches, and longer approval times. Personal loans are faster to get and don't put your home at risk, though they may have slightly higher rates.
Many applicants receive approval within hours and funding within 24-48 hours of acceptance. The exact timeline depends on your bank and the lender's processes. Some borrowers have received funds the same day they applied. Once you accept an offer, the lender will provide specific funding timelines.
Absolutely. Unlike some financing programs that restrict you to approved contractors, a personal home improvement loan gives you complete freedom to hire whoever you want. You control your budget, materials, and contractor selection. We recommend getting multiple bids and checking references regardless of how you finance.
Yes! Unlike contractor-based financing, a personal loan gives you flexibility to mix professional help with DIY work, purchase your own materials, and manage your project your way. The funds are deposited directly into your account with no restrictions on how you spend them.
Most lenders in our network do not charge origination fees, and all offer flexible repayment with no prepayment penalties. You can pay off your loan early without any additional charges, potentially saving money on interest. Always review the specific loan terms before accepting an offer.
See how our customers transformed their homes with affordable financing.
"We wanted to update our dated 1990s kitchen but didn't have the cash saved. The loan process was so easy—applied Monday, funded by Wednesday. Our new kitchen is absolutely gorgeous and we didn't drain our savings."
Brian & Patricia M.
Denver, CO
Kitchen Remodel: $35,000
"After 15 years in the same house, we finally added the master suite we'd always dreamed of. The loan terms were better than we expected and being able to pick our own contractor made all the difference."
James C.
Charlotte, NC
Room Addition: $65,000
"Installed solar panels with the loan and my electric bill dropped 80%. The loan payment is actually less than my old electric bill. Best financial decision I've made in years!"
Sarah T.
Phoenix, AZ
Solar Installation: $22,000
15,000+
Projects Funded
4.9/5
Customer Rating
$200M+
Borrowed
Apply today and get matched with the best loan options for your home improvement project. Our streamlined process makes it easy.
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Complete in minutes
Up to $100,000
Home improvement loans
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Disclosure: We are not a lender. We connect consumers with lenders and may receive compensation. APR ranges from 5.99% to 35.99%. Not all applicants qualify. Home improvement loans are personal loans used for renovation purposes. Individual results vary based on creditworthiness and lender criteria. ROI statistics are averages and may vary by region and market conditions.