Fund your renovation with rates starting at 6.49% APR. Compare personal loans, HELOCs, and contractor financing from top lenders — with no impact to your credit.
Check My Rate →Rates verified daily. Our comparison includes both unsecured personal loans and home equity products.
| Lender | Type | APR Range | Loan Amount | Min. Credit | |
|---|---|---|---|---|---|
| LightStream | Personal Loan | 6.49%–23.99% | $5K–$100K | 680 | Apply |
| SoFi | Personal Loan | 7.99%–24.99% | $5K–$100K | 680 | Apply |
| Marcus by Goldman | Personal Loan | 8.49%–24.99% | $3.5K–$40K | 660 | Apply |
| Figure HELOC | HELOC | 7.25%–13.75% | $15K–$400K | 640 | Apply |
| Discover Home Loans | Home Equity | 7.99%–14.49% | $35K–$300K | 680 | Apply |
| Upgrade | Personal Loan | 8.99%–35.99% | $1K–$50K | 580 | Apply |
| Wells Fargo HELOC | HELOC | 8.50%–12.25% | $25K–$500K | 700 | Apply |
| LendingClub | Personal Loan | 9.57%–35.99% | $1K–$40K | 600 | Apply |
Find the best renovation financing options available in your state.
The right choice depends on project size, timeline, and whether you have home equity.
Fund in 1-3 business days. No collateral required. Best for projects under $50k. Fixed rates 6.49%-24%.
Lower rates because your home is collateral. Revolving credit line. Best for ongoing projects or rates under 8%.
Replace your mortgage with a bigger one. Best for large projects if current mortgage rates are favorable.
Offered at point of sale. Convenient but rates can be higher. Always compare before signing.
Compare home improvement loan rates and lenders in your state.
It depends on your project size and equity. Personal loans (unsecured) are fastest for projects under $50k. HELOCs offer lower rates but require home equity. Cash-out refinancing makes sense for large projects if current mortgage rates are favorable.
Most lenders require a credit score of at least 620 for unsecured personal loans. Best rates go to borrowers with 720+. HELOCs typically require 680+ and sufficient home equity (usually 15-20% minimum).
Unsecured personal loans typically range from $1,000 to $100,000. HELOCs allow borrowing up to 85% of home equity. The amount depends on your credit, income, and (for HELOCs) your home's value.
Interest on HELOCs and home equity loans may be tax deductible if funds are used to buy, build, or substantially improve your home. Personal loan interest is generally not deductible. Consult a tax professional.
Personal loans can fund in as little as 1-3 business days. HELOCs typically take 2-6 weeks due to appraisal and title work. Contractor financing offered at point-of-sale can be approved in minutes.
Guides to financing your home improvement project the smart way