Upgrade
Upgrade
Personal Loan
5.94 - 35.97 %
APR
3 - 5 years
Loan Term
Apply now
On Upgrade‘s site

Best Personal Loans for Home Improvement of October 2021

Compare personal loans or home improvement on Myfin.us.

Updated October 23, 2021
Showing 16 personal loans for home improvement loans
APR
5.94 - 35.97 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.9 - 8%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Fast funding
    • Wide range of loan amounts
    • Accessible to most borrowers
  • Cons:
    • Origination fee

Upgrade personal loans are designed for mainstream appeal, supporting a wide range of credit scores and incomes.

Get the funds you need to remodel, repair, or build the home you want without the hassle of refinancing or taking out a home equity loan.

Upgrade offers 36-month or 60-month fixed-rate personal loans, which generally range from $1,000 to $50,000, in 44 states. Upgrade loans are not available in Colorado, Connecticut, Iowa, Maryland, Vermont and West Virginia.

To apply for an Upgrade personal loan, you’ll start by filling out a one-page application to see which terms you qualify for based on a soft credit check (or credit inquiry that doesn’t impact your credit score).

Apply now
On Upgrade‘s site
APR
5.99 - 35.99 %
Term
0.25 - 6years
Loan amount
$500 - $10,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan, Home Improvement Loan
  • Pros:
    • No fees
    • Fast approval and funding
    • Secured loan
  • Cons:
    • High APR

Users with bad credit can sign up to Bad Credit Loans, which is available 24/7 to help users get the loans they need.

Bad Credit Loans has no hidden fees or rates and they keep user information 100% protected.

Offer converts on a qualified lead. Offer is not accepted to residents of NY.

Apply now
On BadCreditLoans‘s site
APR
5.99 - 35.89 %
Term
0.25 - 8years
Loan amount
$1,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan, Home Improvement Loan, Medical (Dental) Loan, Debt Consolidation Loan, Major Purchase, Moving Expenses (Relocation), Travel
  • Pros:
    • No prepayment penalty
    • No fees
    • Fast approval and funding
  • Cons:
    • High APR

Personal Loans® offers loans up to $35,000 without fees.

The APR range from 5.99% to 35.89%, with loan terms from 3 to 96 months.

Apply now
On Personal Loans®‘s site
APR
5.99 - 35.99 %
Term
0.25 - 6years
Loan amount
$500 - $10,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    None
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan, Home Improvement Loan, Medical (Dental) Loan, Debt Consolidation Loan, Major Purchase, Moving Expenses (Relocation), Travel
  • Pros:
    • Fast and convenient service
    • Works in all 50 states
    • Personal loans for any purpose
  • Cons:
    • No direct loans

CashUSA offers quick personal loans. If a lender makes you a loan offer, you will have an opportunity to review the offer before deciding to accept it. In most cases, your funds can be deposited directly into your bank account via electronic fund transfer in as little as 1 business day.

CashUSA personal loans range between $500 to $10,000. The APR range is from 5.99% to 35.99%.

Whether you need to consolidate debt, remodel your home, or take a vacation, a personal loan may be a viable option.

Apply now
On CashUSA‘s site
APR
3.99 - 16.99 %
with Autopay
Term
2 - 12years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

A home improvement loan allows you to borrow money for home upgrades, repairs, renovations and additions.

APR
5.99 - 29.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 5.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lender offering personal loans starting at $2,000 for a variety of purposes.

Home Improvement Loans can be used for a variety of renovations, home-related expenses, and repairs.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 5.99%. Origination fees on a loan term four years or longer will be a minimum of 4.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

APR
5.99 - 29.99 %
Term
3 - 5years
Loan amount
$4,000 - $25,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    1 - 5%
  • Funds available in:
    3 business days.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • No Prepayment Fee
    • Low APR interest
  • Cons:
    • Extra Fees

Home improvement loans are personal loans that will help you finance home renovations or repairs.

Peerform provides loans to borrowers with bad credit history.

Peerform loans range from $4,000 to $25,000.

Peerform loans have fixed interest rates that range from 5.99% to 29.99%.

The lender charges an origination fee that range from 1% to 5%. For example, the final amount credited to the borrower's bank account for a $5,000 loan with a 2.0% Origination Fee of $100.00 will be $4,900.00.

The Unsuccessful Payment Fee is either $15 per unsuccessful attempt or a lesser amount as determined by applicable state laws.

APR
5.99 - 17.99 %
Term
3 - 5years
Loan amount
$500 - $35,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    No origination fee.
  • Funds available in:
    1-2 business days.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
    • No Origination Fees
  • Cons:
    • No Autopay Discount
    • For PenFed customers only
    • Extra Fees
    • 24/7 customer service

PenFed Credit Union offers personal loans in all 50 states.

PenFed’s home improvement loan will help you finance home renovations or repairs. All loans are subject to a minimum monthly payment of $50.

PenFed Credit Union offers personal loans up to $35,000, with terms of 36 - 60 months. The interest rates range from 5.99% to 17.99%.

APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
    • A clear payment plan
    • A set payoff date
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers personal loans with fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

All applicants must have a minimum credit score of 640.

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

Search for best loan
Showing 16 personal loans
Amount
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Credit Score
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

Choose your personal loan type