A home improvement loan is a personal loan you can use to finance repairs, renovations, or upgrades to your home. Most lenders offer these as unsecured loans, so no collateral is required. However, some options—such as those offered through Upstart—may allow you to secure the loan with your vehicle, which would involve placing a lien on it.

A home improvement loan can help cover the costs of a wide variety of home upgrades and repairs. Whether you’re planning a big renovation or smaller updates, the funds can be used for just about any project. If you finish your project under budget, you can use the leftover funds to pay down other expenses—or apply them toward your loan balance to pay it off sooner.

Popular uses include kitchen remodels, bathroom additions, room expansions, deck repairs, roof replacements, solar panel installations, and more. Whatever your vision, a home improvement loan can help bring it to life.

1: Once we have your info, we’ll show you the loan offers you may qualify for. You can then choose the loan amount, term length, and interest rate that best suit your needs.

2: Next, fill out a full application with some additional details, including your bank information. Unlike many traditional lenders, we don’t rely on your credit score alone—we also consider your education⁹, employment, and more to give you a fair shot at approval.

3: After you review and accept the final loan terms, we’ll move quickly to approve and fund your loan. In many cases, funds are delivered in as little as one business day.²

Need to upgrade your space? Upstart offers home improvement loans from $1,000 to $50,000⁴—with fixed rates and affordable terms.

Home equity is the value of your home that you truly own. If you haven’t built up equity yet but need funding for renovations, you can still move forward with your project. Upstart offers unsecured⁶ personal loans specifically for home improvements—no equity needed. It’s a flexible way to access the funds you need to repair, remodel, or upgrade your home on your terms.

—Easy online application in just minutes.
—Locked-in interest rates—no surprises.
—Steady monthly payments that fit your budget.
—Quick, secure direct deposit of your loan.