Unsecured home-improvement loan
- Range
- $10,000 – $150,000
- Term
- 36–144 months
- Rates
- 6.99% – 14.99% APR
Fastest path — no home equity required, approval in 24 hours.
Financing
Turn a six-figure project into a monthly payment
We partner with three national home-improvement lenders to offer fixed-rate financing from 6.99% APR with terms from 36 to 144 months. Soft-pull pre-qualification does not affect your credit score.
Financing options
Home equity line of credit (HELOC)
- Range
- Up to 85% of equity
- Term
- 10-year draw / 20-year repay
- Rates
- Prime + 0%
Lowest rate if you have equity. Longer closing (2–4 weeks).
Cash-out refinance
- Range
- Up to 80% LTV
- Term
- 15 or 30 years
- Rates
- Current mortgage rates
Folds the remodel cost into a new primary mortgage. Best when current rate is higher than market.
Monthly payment estimator
Adjust the loan amount, rate, and term to see the approximate monthly payment. This is not a rate quote.
$60,000
8.99%
84 mo
Estimated monthly payment
$965
Total interest paid
$21,063
Illustrative only. Final rate, term, and monthly payment depend on lender approval, credit profile, and product. Contact us to connect with a partner lender.
Financing questions
Does pre-qualification affect my credit score?
No. Pre-qualification uses a soft credit pull that is not visible to other lenders and does not reduce your score.
How fast is the approval?
Unsecured loans: typically 24 hours. HELOC: 2–4 weeks including appraisal. Cash-out refinance: 4–6 weeks.
Can I finance 100% of my project?
Most clients finance a portion and pay the deposit and some progress payments from cash reserves. The partner lenders can finance up to 100% on qualifying projects.
Are there prepayment penalties?
Not on any of our partner products. You can pay off early without fee.
Ready to explore options?
We'll connect you with the lender that fits your project size and credit profile — no commitment, no hard pull.
Start your project
Book your free in-home consultation
A senior project consultant will visit your home, review your goals, and follow up with a detailed written estimate within five business days.
- Phone
- (312) 555-0100
- Office
- 123 N Placeholder St, Chicago, IL 60601