Home Improvement Personal Loans - No Collateral | Upgrade

Home improvement personal loans up to $50,000 - no collateral required

Reach your goals with a personal loan through Upgrade

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Pay for your moving expenses with a personal loan
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Pay for your dream pool with a personal loan
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Personal loans built for home improvement

Designed with ease, speed, and simplicity so you can make your vision a reality

Check your rate in minutes

Find out your rate and how much you qualify for in minutes with no obligation and no impact to your credit score.

Customize your offer

Choose from multiple loan options with fixed rates and terms designed to fit your budget.

Fast funding†

You should receive your funds within a day of clearing verifications. No waiting for the lengthy home appraisals that come with refinancing your home or home equity loans.

No prepayment fees

Pay off your loan at any time with absolutely no penalties or extra fees.

Funds to invest in the value of your home

Your home is your biggest investment – let us provide the funds and you choose how to use them

Add value to your home

Transform and customize your house to make it your home.

Save on utility costs

Finance a more efficient home to reduce energy expenses.

Tackle home repairs

Whatever the emergency, a personal loan can help you get your home back up and running fast.

It's quick and easy to apply for a personal loan online

Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose your personal loan *

Review multiple loan options and decide which offer is best.

Fast funding †

Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Home improvement personal loans are flexible & customizable

Select an offer

Choose your monthly payment that won't ever change and fits your budget.

Fixed rate & term

Pick terms that fit your timeline.

A simple breakdown of a personal loan

Get to know the rates, fees, and your payback plan

If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...

Your APR

The 17.98% APR includes:

Your money

You would get $9,500 deposited directly in your account

$10,000 - $500 = $9,500

Your payments

And, each month you would pay back $343.33 over 36 months

What our customers are saying: home improvement loans

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Home improvement loan FAQs

How is a personal loan through Upgrade different from a home equity loan or HELOC?

With Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online, and the funds for your unsecured personal loan are directly deposited into your account within days of accepting your offer and fulfilling necessary verifications.† Plus, a personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

How is a personal loan for home improvement different than Upgrade Home Improvement financing?

A personal loan for home improvement: You can apply for a personal loan through Upgrade and can choose to use that money to improve your home. You may also be able to take advantage of our discount for homeowners by securing your loan with your home’s built-in fixtures, like cabinets, shelving, and light fixtures. Your home won’t be used as collateral.

Upgrade Home Improvement financing: Upgrade partners with residential contractors to offer financing options. If you’re working with a contractor who partners with Upgrade you can apply for financing through that contractor.

Why not use a credit card for my home improvement project?

Credit cards often have high variable interest rates that can increase at any time. This can make it hard to know the true cost of a project and predict when you'll be able to pay it off. When a specific project cost is mixed in with other living expenses, it can become even more difficult to plan when it'll be paid off or even recognize when, or if, it has. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

Do I need collateral for a personal loan for home improvement?

No! With a home improvement personal loan through Upgrade, you don’t need to use your home as collateral. This makes the application process simpler and easier. You can check your rate in just a couple of minutes with no impact to your credit score and for no cost. You can skip the process of getting an updated home appraisal and focus on your home improvement project.

What is the process for getting a personal loan for home improvement?

The process is simple. First, check your rate. It only takes a couple of minutes and has no impact to your credit score or cost. If you decide that the loan fits your needs, finish your online application. Once you’ve shared any documents Upgrade requests and complete the verifications process you should receive your funds within a day.†

Will checking my rate affect my credit score?

No, checking your rate won’t affect your credit score because we only perform a soft inquiry. Only you are able to see soft inquiries on your credit report.

What if I want to pay off my loan sooner?

You can make additional payments on your loan at any time without any prepayment fees.

How much can I borrow for home improvement?

You can borrow between $1,000 and $50,000 with a personal loan through Upgrade for any purpose.

Are there any APR discounts for personal loans?

Yes! If you are a homeowner, you can receive a discount on your APR if you choose to secure your loan. Your loan will be secured with built-in fixtures in your home, such as ceiling fans, bookshelves, and light fixtures.

You can learn more about the discount for homeowners when you check your rate.