Home Improvement Loans From Earnest | Earnest
Home Improvement Loans
From repairs to renovations, fund your project in as little as a day—with flexible terms and no required fees1
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Home improvement loans from $3,000—$50,000
Make your home project happen with these exclusive benefits:
No fees required: no prepayment, late, or mandatory origination fees
Rate Drop Reward 2 : lower your rate by up to 0.75% as you pay off your loan
Skip 1 payment a year 3 : no penalty fees, just breathing room
Get your funds in as little as 24 hours 4 : no waiting
No home appraisal or equity required
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What is a home improvement loan?
A home improvement loan is a personal loan used to fund renovations, repairs, or upgrades—without using your home as collateral. Whether you’re refreshing a kitchen, replacing a roof, or adding energy-efficient features, a personal loan could give you fast access to funds with fixed monthly payments.
You can use it for:
- Kitchen or bathroom remodels
- Roof or window replacements
- HVAC, plumbing, or electrical upgrades
- Landscaping or curb appeal projects
- Accessibility improvements
- Emergency repairs
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Rate Drop Rewards: Only with Earnest
You could lower your interest rate by up to 0.75% as you pay down your loan on time each month. Say you start with a 10% fixed interest rate—you could qualify for a rate as low as 9.25% once you've paid off 75% of your loan. The result? You'll pay less interest overall.
It's our way of rewarding responsible repayment, not just collecting payments.
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Is a home improvement loan right for you?
If you’re not tapping into home equity—or don’t want to—this type of financing could be a fit. Consider a personal home improvement loan if:
- You want to fund a project quickly, without a lengthy approval process
- You don’t want to put your home up as collateral
- You prefer a fixed repayment schedule and interest rate
It’s a flexible, straightforward way to invest in your space.
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You could save thousands in interest with an Earnest Personal Loan
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† Average credit card annual percentage rates (APR) are accurate as of the Federal Reserve G.19 release on 04/07/2026 (reflecting data from February 2026). Source: https://www.federalreserve.gov/releases/g19/current/
How it works
Check your rate in minutes
See your pre-qualified rate with zero credit score impact
Submit your application
Submit in minutes, with only 3 simple steps
Customize your loan
Choose from up to 72 payment options
Smart tips for home renovation financing
- Get quotes from licensed contractors before deciding how much to borrow
- Build a buffer (~10%) into your budget for unexpected costs
- Avoid over-improving for your home’s value or neighborhood
- Use a loan if it helps you avoid high-interest credit cards or dipping into emergency savings
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Help Is Here
We’re one phone call away
Client Happiness is at the heart of Earnest. Our in-house team of experts can help you apply over the phone and answer any questions.
Reach out via email and web chat; if you prefer to speak to a person, call between 6:00 am - 4:00 pm PT, Monday - Friday, excluding holidays, at (888) 744-0767.
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FAQs about home improvement loans
Can I use a personal loan for home renovations?
How is this different from a home equity loan or HELOC?
Can I get a personal loan if I have bad credit?
Can I use a personal loan for any purpose?
Have more questions? Visit the Resource Center.