Home Improvement Loans

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How to Get a Home Improvement Loan

Home Improvement Qualifications

• Must be at least 18 years old or older
• United States citizen or legal resident
• Steady monthly income or benefits
• Valid Email address
• Working telephone number
• Bank account that accepts direct deposits

Home Improvement Financing

Home Improvement Financing Options

Banks & Credit Unions

These lending options usually want a near perfect credit score and some type of collateral. Most will try and get you on a second mortgage with extra closing cost and a higher interest rate.

Credit Cards

Credit cards are always an option when it comes to home improvements, but the interest rates are high and could be hard to pay off in the short or long term.

Family and Friends

You can always ask family and friends but they usually don’t have that much cash to just give out and they probably have their own problems. Besides, if you miss a payment or can’t pay it back you can destroy relationships.

Online Lender

With an online lender for home improvement loans you get a lot of great benefits. The application is free, the loan decision only takes about 90 seconds and there are no hard credit checks so it doesn’t affect your credit to see your loan offer and as an added bonus there are no closing cost when you apply for a home remodel loan.

What is a home improvement loan?

A home improvement loan is an unsecured personal loan that you use to cover the costs of home upgrades or repairs.Our lenders provide up to 35k in financing.

Home improvement loans vs. equity financing

Home Improvement Loans

A home improvement loan makes sense if you don’t have enough equity in the home or don’t want to use it as collateral like using a second mortgage for a home repair.

Home Equity Loans

Home equity loans come in lump sums and have fixed interest rates, so monthly payments never change. You repay this loan in monthly installments over a term as long as 15 year.

Home Improvement Loans for Bad Credit

Having less than perfect credit can seem like you can never get a loan. There is an alternative if you have bad credit, poor credir, and even no credit. What is it? It’s our lenders. They have worked with all credit types and when you apply they will not do a traditional hard credit check pull like the banks and credit unions.

This makes it easier to get approved. Use your income from your job as your good credit. Lenders are online ready to receive your loan request. Click the button below to get started.