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

Cover moving expenses

Pay for your moving expenses with a personal loan

Cover pool expenses

Pay for your dream pool with a personal loan

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 Loan amount - Origination fee

Your payments

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

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 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.

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.