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Home Improvement

Fund your home project without touching savings.

Unsecured loans for quick fixes. HELOCs and home equity loans for big projects. Compare 6 lenders on APR, terms, and funding speed.

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Home Improvement — top lenders compared

Sortable table of partner lenders. Click through to see the lender's full offer details.

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APR ranges shown are illustrative. Your actual rate depends on credit, loan amount, and lender criteria.

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1

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Quick questions about what you're financing or insuring.

2

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FAQs

Home Improvement — what people ask

Personal loan vs HELOC — which is better for a remodel?
Personal loans fund in days, no collateral, fixed rate, but cap around $50–100k. HELOCs require equity and an appraisal but offer larger limits and lower rates. Use a personal loan for $5–25k jobs, HELOC for $35k+.
How much equity do I need for a HELOC?
Most lenders require at least 15–20% equity (i.e., LTV under 80–85%). Figure goes up to 85% LTV; some banks stop at 80%.
Can I deduct home improvement loan interest?
HELOC and home equity loan interest is tax-deductible if used to buy, build, or substantially improve the home that secures the loan (post-TCJA rules). Personal loan interest used for home improvement is generally not deductible. Confirm with a tax pro.
How fast can I get the money?
LightStream and SoFi unsecured loans fund as fast as same day. Figure HELOC funds in about 5 business days. Traditional bank HELOCs take 3–6 weeks.
Should I use my credit card instead?
Only for sub-$3k projects you can pay off in the 0% intro window of a balance-transfer card. Above that, a personal loan or HELOC will almost always be cheaper.
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