Finance Home Improvement Projects with a Personal Loan
Interest rates on personal loans are often lower than those on credit cards, making them a popular option for funding large home improvements, remodeling, and repairs.
Answer a few short questions to get matched with top lending partners in our network. It takes less than 60 seconds and won’t affect your credit score.
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 by tackling repairs, adding onto it, renovating, or making other improvements.
An unsecured personal loan is an excellent alternative to using up your home equity or maxing out high-interest-rate credit cards. Check your personal loan options.
Financing for a Home Remodel Job
Ready to take on a home remodeling project? Renovating a bathroom, kitchen, basement, or other area can be a costly endeavor. Most people don’t have that kind of cash sitting around.
Using a credit card may be suitable if you have sufficient credit available, but interest rates and fees are also escalating out of control. A home equity loan or line of credit is another viable option for some people.
However, a low-interest-rate personal loan not secured by your property might be a better choice. See how personal loans stack up.
Personal Loans for Home Repair Tasks
Whether you have an emergency home repair or need to fix something that has been bothering you for a while, a personal loan can be a smart choice. Most personal loans aren’t secured by your property, making them quicker to obtain than home equity products, and they’re often cheaper than a credit card when paid over many months or years.
You can use a personal loan to cover major housing expenses or make minor home repairs. That includes fixing plumbing issues, installing a new roof, replacing siding, or other similar tasks. View personal loan offers to weigh your options.
What People Are Saying!
There were more loans to choose from than I was expecting. Who knew obtaining home remodel financing could be so easy!
– Ann S.
I didn’t realize how much interest I would save by 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.
Using our platform to find personal loans for home improvement projects or other purposes is a safe way to evaluate loan options and connect with providers. We protect our website with SSL, which encrypts your browser connection to help prevent unauthorized access to your information.
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.
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.
APRfinder has served individuals and businesses for over a decade and responds promptly to support requests. 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, some lenders may present you with a personal loan that requires collateral.
What can I use a personal loan for?
You can use personal loans to finance a wide range of individual, family, household, and business purposes. That could include paying for small and large home improvement projects, paying off credit cards and bills, consolidating debt, covering educational expenses, financing a vacation, medical expenses, moving, buying a car, a wedding, or other costs.
However, some lenders may not permit you to use the funds for purchasing real estate, paying business expenses, making investments, or other non-traditional uses. Be sure to check with the lender before submitting your completed application.
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 $75,000 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.
Once the loan is final, you will typically 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 typically need to be repaid within 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.
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