7.99 - 23.43 %
APR
2 - 7 years
Loan Term
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Best Home Improvement Loans with Bad Credit in December 2022

Compare home improvement loans with bad credit on Myfin.us.

Updated December 09, 2022
Showing 14 personal loans for home improvement loans with bad credit
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
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APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
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APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
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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.

See OneMain Financial full product review
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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.

Read full review

APR
7.74 - 20.24 %
with Autopay
Term
1 - 7years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Simple application process
    • Autopay discount
  • Cons:
    • No option to pre-qualify

If you’re a U.S. Bank customer, you may borrow at least $1,000 up to $50,000. Not a U.S. Bank customer? You may be able to borrow up to $25,000.

The APR range is from 7.74% to 20.24%. Loan terms are available for 12 or 84 months.

APR
5.74 - 20.99 %
with Autopay
Term
1 - 7years
Loan amount
$3,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • No origination fee
    • No prepayment fee
    • Autopay discount
  • Cons:
    • No option to pre-qualify

Wells Fargo offers personal loans from $3,000 to $100,000.

The APR range is from 5.74% to 20.99%. Loan terms are available for 12 or 84 months.

APR
7.49 - 18 %
Term
1 - 15years
Loan amount
$250 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    No origination fee.
  • Funds available in:
    The same day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • No prepayment fees
    • No origination fee
    • No collateral required
  • Cons:
    • No autopay discount

Navy Federal Credit Union offers loans ranging from $250 to $50,000. Personal loans are available only to Navy Federal members.

The APR range is from 7.49% to 18.00%.

APR
7.6 - 14.64 %
with Autopay
Term
1 - 7years
Loan amount
$5,000 - $50,000
  • Minimum credit:
    scorer
    Excellent (740-799)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    The same day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
  • Cons:
    • Only available in 15 U.S. states
    • Credit score of 780 or higher

The Annual Percentage Rate of Keybank personal loans ranges between 7.60% to 14.89%.

The APR may vary based on the state of residence. The APR charged by KeyBank across Key's footprint (OH, IN, MI, PA, NY, MA, CT, VT, ME, CO, ID, UT, WA, OR, AK) includes a 0.25% discount for electing to have the monthly payment automatically deducted from a KeyBank checking or savings account.

The loan amount ranges from $5,000 to $50,000.

APR
4.49 - 5.67 %
Term
3 - 7years
Loan amount
$10,000 - $75,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    $75
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Home Improvement Loan
  • Pros:
    • Quick and simple
    • Fast funding
    • No collateral
  • Cons:
    • Origination Fee

A home improvement loan is unsecured. The Loan does not require equity or collateral. You can borrow any amount between $10,000 and $75,000.

The Bank charges a loan origination fee of $75.

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Showing 14 personal loans
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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
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Choose your personal loan type