Best home improvement loans
How we picked
Home improvement loans are unsecured personal loans purpose-marketed for renovations. They fund fast, don't require home equity, and have fixed payments. The trade-off vs a HELOC: higher rates and lower max amounts. Best for projects under $50K you want to pay off in 3-7 years.
1
LightStream Home Improvement
Best for large projects
- Up to $100K unsecured
- Long terms (12 yr)
- Same-day funding
- Requires excellent credit
2
SoFi Home Improvement
Best fast funding
- Same-day funding
- No fees ever
- Member benefits
- Higher minimum loan
3
Discover Personal Loans
Best for budget projects
- No origination fee
- 30-day return policy
- Direct creditor pay if consolidating
- Max $40K
- Slower funding
4
Best Egg
Best for fair credit
- Up to $50K
- Min 640 FICO
- Same/next-day funding
- Origination fee 0.99-8.99%
5
Upstart
Best for thin credit file
- AI underwriting
- Min 600 FICO
- Next-day funding
- Origination fee
Bottom line
The right pick depends on your credit profile, timing, and how much you're borrowing. Run a soft-pull comparison through HawkLend to see which of these providers will actually approve you and at what rate — takes about two minutes, no impact to your credit.