)
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 Reward2: lower your rate by up to 0.75% as you pay off your loan
Skip 1 payment a year3: no penalty fees, just breathing room
Get your funds in as little as 24 hours4: no waiting
No home appraisal or equity required
)
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 gives 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
)
Rate Drop Reward: 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.
)
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.
)
You could save thousands in interest with an Earnest Personal Loan
)
† 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/
‡ Example chart reflects a 7-year Earnest Personal Loan with a fixed rate of 14% APR (the mid-range of rates as of April 2026). Earnest Personal Loans are subject to credit approval; available rates are subject to change and exclude any discounts. The 'High-Interest Rate Credit Card' APR of 21.52% is the average rate reported for February 2026. Savings estimates assume you make all payments on time as scheduled for 84 months, without taking on additional credit card debt. The calculation also assumes no origination fees or early prepayments.
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
)
Help Is Here
We’re one phone call away
)
FAQs about home improvement loans
Have more questions? Visit the Resource Center.
From the Earnest Blog
Tips and tools to help you reach your goals
1 You may qualify for a lower interest rate by electing to pay an optional origination fee that is equal to 1-8% of your total loan amount. The fee is deducted from your loan proceeds at disbursement. This fee is not required and it will not impact your loan approval.
2 You may be eligible for up to a 0.75% interest rate reduction, earned in 0.25% increments, by meeting the following milestones:
• 25% of your loan principal is repaid and you make at least 12 consecutive on-time monthly payments
• 50% of your loan principal is repaid and you make an additional 12 consecutive on-time monthly payments since the prior rate reduction
• 75% of your loan principal is repaid and you make an additional 12 consecutive on-time monthly payments since the prior rate reduction
Rate reductions are applied automatically once earned. Lump-sum payments cannot accelerate the timing of discounts.
3 Earnest clients may skip a payment through a single, one-month deferment during a 12-month period. Your first request to skip a payment can be made once you’ve made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods.
4 24 hour funding is not guaranteed and is subject to the availability of funds which includes but is not limited to the time of loan approval, verification requirements, and bank processing times.
5 The full range of loan terms vary by state. Representative example of repayment terms for an unsecured personal loan: For $12,000 borrowed over 36 months at 11.99% APR, the monthly payment is $399. This example is an estimate only and assumes all payments are made on time. The actual rate and payment amount may vary and is determined by the product, term, loan amount and your credit qualifications.
6 Not everyone will qualify for these repayment terms. Example includes all discounts including our optional origination fee.