Turn your current house into your dream home.
Finance your home improvements with a fixed-rate Renovation Loan. Get the lump sum cash you need to pay contractors upfront, without tapping into your home's equity.
The Renovation Loan Advantage
- No Equity Required: Unlike a HELOC, this is an unsecured loan. Your home is not used as collateral.
- Fast Funding: Get approved and have the funds deposited directly into your account in as little as 1 to 3 days.
- Fixed Payments: Your interest rate and monthly payments are locked in, making project budgeting perfectly predictable.
"Used this to gut and remodel our kitchen. Having the cash in hand meant we could negotiate better rates with contractors. Highly recommend."
- Marcus T., Homeowner
Check Your Renovation Rates
See your loan options in minutes. Checking your rate will not hurt your credit score.
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How Does a Renovation Loan Work?
A personal renovation loan is designed to be fast and friction-free. Because it doesn't require an appraisal of your home's equity, you bypass the massive delays of traditional home equity lending.
Plan Your Project
Get estimates from your contractors or price out materials to determine exactly how much you need to complete your remodel.
Check Your Rate
Submit your information securely to see the rates and terms you qualify for, without any impact on your credit score.
Get Funded Fast
Once approved and documents are signed, your total loan amount is deposited as a lump sum directly into your checking account.
Pay Contractors
With cash in hand, you can confidently hire contractors, purchase materials, and start your renovation immediately.
Why Not Use a HELOC or Credit Cards?
See how an unsecured renovation loan compares to other popular ways of financing home improvements.
| Feature | Renovation Personal Loan | HELOC (Home Equity) | Credit Cards |
|---|---|---|---|
| Home Used as Collateral? | No (Unsecured) | Yes | No |
| Speed to Fund | 1 to 3 Days | 2 to 6 Weeks | Immediate |
| Interest Rate Type | Fixed Rate | Variable Rate | Variable (High) |
| Requires Home Appraisal? | No | Yes | No |
Renovation ROI Estimator
Calculate your estimated loan payment and see how much value your specific project might add to your home's total equity.
Project Details
Average percentage of cost recouped in home value.
Financial Impact
Estimated Monthly Payment
$743 /mo
Estimated Equity Added to Home
+$26,250
Submit the form at the top of the page to lock in exact rates for your renovation project.
*This tool provides estimates for educational purposes assuming a 10% interest rate. Actual rates depend on creditworthiness. ROI estimates are based on national averages for remodeling impact on home resale value and are not guaranteed.
Frequently Asked Questions
Common questions about securing financing for your home upgrades.
Do I need equity in my home to get approved?
No! Because this is an unsecured personal loan tailored for renovations, we do not require you to have equity in your home. Approval is based primarily on your credit history and your income.
Do you have to appraise my home before I get the money?
No appraisal is required. Traditional HELOCs and home equity loans can take weeks because they require a home appraisal to verify value. By bypassing the appraisal, we can fund your project in a matter of days.
Can I pay the loan off early if I sell the house?
Yes. The vast majority of our lending partners do not charge prepayment penalties. If your renovation increases your home's value and you decide to sell, you can easily pay off the loan balance early using the proceeds from the sale.