Outline of home improvement tools above group of people.

Finance Home Improvement Projects with a Personal Loan

Interest rates on personal loans are often cheaper than credit cards, making them a great way to finance large home improvement, remodeling, renovation, and repair projects.

Answer just a few short questions to get matched with lending partners in our network. It takes less than 60 seconds and won’t affect your credit score. Then check your rate with the best match!

Top Lenders and Lending Partners

Funding for Your Home Improvement Project

Do you have a home improvement project that needs financing? A home improvement personal loan can be a great option. Use your loan to transform a property into your dream home, tackle repairs, make an addition, or something else.

An unsecured personal loan is a great alternative to using up your home equity or maxing out high-interest-rate credit cards. Check out personal loan options.

Home Improvement Funding

Home improvement sketch with tools and nails on wooden table.

Renovation of room in old building with ladder, paint, and other supplies.

Financing for a Home Remodel Job

Ready to take on a home remodeling project? Renovating a bathroom, kitchen, basement, or something else can get expensive. Most people don’t have that kind of cash sitting around.

Using a credit card may work well if you have enough available credit, but interest rates are getting out of control. A home equity loan or line of credit is another viable option…for some.

A low-interest-rate personal loan not secured by your property might be a better choice. See how personal loans stack up.

Home Remodel Financing

Personal Loans for Home Repair Tasks

Whether you have a semi-emergency home repair or need to fix something that has been bothering you for a while, a personal loan could be a smart choice. Most personal loans aren’t secured by your property, making them quicker to obtain than typical home equity products and they’re often cheaper than a credit card when paying over many months or years.

You can use your loan for something major or to make small repairs. That includes fixing plumbing issues, putting on a new roof, replacing siding, or something else. View personal loan offers to weigh your options.

Home Repair Lending

What People Are Saying!

There were more loan options to choose from than I was expecting. Who knew obtaining home remodel financing could be so easy!

– Ann S.

I didn’t realize how little interest I would pay using a low-interest rate personal loan rather than my credit card. Thanks!

– Sarah L.

Connecting with a home improvement personal loan lender through APR finder is as easy as 1-2-3!

– Mike M.

Ready to match with lenders?

Answer just a few short questions to get matched with the best lending partners in our network. It takes less than 60 seconds and won’t affect your credit score! Check your rate and apply on their respective websites.

Get Started

Simple. Safe. Secure

Using our platform to compare personal loan options that can be used for home improvement projects is a smart financial decision. Our website is protected by SSL, which keeps your browser connection with us encrypted to help prevent criminals from reading your information.

More Borrowing Options

When you only go to your local bank or credit union to seek a personal loan, you will severely limit the number of products you see. Use our website to compare multiple personal loan options from top online lenders and get matched with the best lending partners meeting your criteria.

Won’t Affect Credit Score

We don’t verify your finances when using our website and financial-matching technology. Instead, our tools help you analyze the best personal loan offers based on the information you provide us. When you leave our site to get prequalified, our partners will usually perform a soft credit inquiry, and then verify your full credit report using a hard pull after you officially apply for a loan.

Trusted by Users

APRfinder has served individuals and businesses for over a decade and responds to support requests as quickly as possible. We also don’t sell your information to other companies. Instead, we provide resources and tools to help you make smarter borrowing decisions. We only make a commission when you click through a partner link and take an action such as applying for or receiving a loan.

Answers to Your Personal Loan Questions

What is an unsecured personal loan?

An unsecured personal loan is money borrowed from a bank, credit union, or another lender, not secured by property such as a home or vehicle. All funds are issued at once and paid back over time with set monthly payments. Most of our lending partners provide access to unsecured personal loans. However, there may be instances where a personal loan that has to be secured with collateral is offered.

What can I use a personal loan for?

Personal loans can be used to finance most personal, family, household, and business purposes. That could include paying for small and large home improvement projects, paying off credit cards, consolidating debt, educational expenses, financing a vacation, medical expenses, moving, buying a car, a wedding, or something else. However, some lenders might not allow you to use the funds to purchase real estate, pay for business expenses, make investments, or for other uncommon uses. Be sure to check with your lender before fully applying.

How much money can I borrow?

Most lenders in our network provide personal loans from $1,000 to $50,000. However, you may be able to find a company willing to lend you as low as $100, and up to $100,000 or more.

Do personal loans have a fixed or variable interest rate?

The majority of personal loans offered through our network of providers come with a fixed interest rate and monthly payments.

How long does it take to receive funds?

Many lenders will require you to have a bank account available for them to deposit your funds. Once you have accepted your final loan offer, you may receive funds in a checking or savings account the same day it’s finalized. Typically, you will receive the money in your account on the next business day. However, some credit unions and banks can take up to three days to process funding into your account. Otherwise, receiving a check could take up to a week.

How long do I have to pay back my loan?

Personal loans from our partners will typically need to be paid back in one to seven years. You can select an offer from the available loan options and request terms that best fit your needs, but each lender may require specific repayment terms to get you approved.

Will checking my rate affect my credit score?

Most initial rate checks will only perform a soft credit inquiry and won’t impact your credit score. However, if you accept your rate and proceed with a formal application, the company will eventually make a hard credit inquiry to verify your information and finalize the loan. We do not check your credit when matching you with lenders on our site.