About Home Improvement Loans
Home improvement loans are unsecured personal loans designed for renovations. They are faster to get than HELOCs or home equity loans since no collateral is required. Typical loan amounts range from $5,000 to $100,000 with terms of 3 to 15 years.
What Can You Finance?
Kitchen remodels, bathroom renovations, roof replacement, HVAC upgrades, deck construction, basement finishing, energy-efficient windows, and flooring installation are all common uses.
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Compare Lenders (March 2026)
| Lender | APR Range | Loan Amounts | Best For |
|---|---|---|---|
| Navy Federal CU | 7.49–18% | $250–$50K | Military members |
| Wells Fargo | 7.49–24% | $3K–$100K | Existing customers |
| Marcus (Goldman Sachs) | 7.99–25% | $3.5K–$40K | No fees |
| SoFi | 8.99–26% | $5K–$100K | Unemployment protection |
| LightStream | 7.49–25% | $5K–$100K | Excellent credit |
Rates as of March 2026. Actual rates depend on creditworthiness.
Frequently Asked Questions
- What credit score do I need? Most lenders require 580–620 minimum. Best rates (7–10%) require 720+.
- How fast can I get funded? Personal home improvement loans fund within 1–7 days, much faster than HELOCs (2–6 weeks).
- Do I need collateral? No. These are unsecured personal loans—your home is not at risk.
- Is the interest tax-deductible? Generally no for personal loans. HELOC interest may be deductible (consult a tax professional).