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Home improvement — today's picks
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Best home improvement loans in {{CURRENT_MONTH_YEAR}}
Rates from 7.49% APR
What to know first: Home improvement financing comes in many forms — personal loans, HELOCs, cash-out refinance, and contractor-arranged plans. The picks below cover the best provider in each category based on rate transparency and approval speed.
How it works
Three steps. No surprises.
1
Tell us your situation
Quick questions about what you're financing or insuring.
2
Match to providers
We pull offers from providers that fit your credit and need.
3
Pick & close
Apply directly with the provider of your choice. No middleman.
FAQs
Home Improvement — what people ask
Should I use a home improvement loan or HELOC?
Personal loan: faster, no collateral, fixed payment, but higher APR. HELOC: lower rate (uses home as collateral), variable rate, can draw as needed. Pick a personal loan for speed and predictability; pick a HELOC for larger projects you'll fund over time.
Can I use a credit card for home improvement?
Yes — and a 0% intro APR card can be cheaper than any loan if you can pay it off in the intro window (typically 15–21 months). Beyond the intro period, cards revert to ~22% APR, which is much worse than a loan.
Will my home equity be enough for a HELOC?
Most lenders want you to keep at least 15–20% equity in the home. So if your house is worth $400K and you owe $300K, you may be able to borrow up to about $20–40K via HELOC.
How long does it take to close a HELOC?
Traditional banks: 4–6 weeks. Online lenders like Figure: as fast as 5 business days. Speed depends on appraisal turnaround and title work.
Are home improvement loan interest deductions still available?
Personal loans for home improvement are NOT tax-deductible. HELOCs and home equity loans MAY be deductible if used to buy, build, or substantially improve your home — consult a tax professional.