# Home Improvement Loans

## From repairs to renovations, fund your project in as little as a day—with flexible terms and no required fees1

[Check My Rate](/content/_/apply/earnest/personal-loans/check-my-rate/index.html)

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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](/content/personal-loans/index.html) 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.

[Check My Rate](/content/_/apply/earnest/personal-loans/check-my-rate/index.html)

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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/](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

[Check My Rate](/content/_/apply/earnest/personal-loans/check-my-rate/index.html)

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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.

[(888) 744-0767](tel:+18887440767)

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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.](/content/personal-loans/home-improvement/index.html)