Home Improvement Loans
Finance renovations, repairs, and upgrades to your home.
Home Improvement Loan Overview
A home improvement personal loan gives you upfront cash to tackle renovations without touching your home equity. Unlike HELOCs, these are unsecured — your home is never at risk. Kitchen remodels, bathroom upgrades, new roofing, HVAC replacement, or backyard projects can all be funded quickly, often within 1–3 business days.
Typical Amount
$5,000 – $50,000
APR Range
5.99% – 19.99%
Term
24 – 84 months
Tips for Home Improvement Loans
Get contractor estimates before you borrow so you know the exact amount
Choose improvements that add resale value (kitchens, bathrooms)
Compare personal loans vs HELOCs for larger projects
Some lenders offer contractor payment options
Best Lenders for Home Improvement
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
Home Improvement Loan FAQs
Personal loans are faster, don't require an appraisal, and don't put your home at risk. HELOCs may offer lower rates but come with variable rates and your home as collateral.
How much do you need?
Check rates from 200+ lenders — no credit impact.