Home improvement
financing recommendations

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Rec step 1

Tell us about your project, goals, and financing needs in a brief questionnaire

Rec step 2

Look up your address to access personalized recommendations based on your home equity and financial goals.

Rec step 3

We’ll rank financing options for you, explain how each is different, and tell you which rates and terms to expect.

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When should I finance my project?

You don’t have time to save

We recommend financing your home improvement project only if your project is time-sensitive. Otherwise you should try to save cash.

Your project will add value to your home

Many home improvement projects increase a home’s value. If your project could make you money, even after accounting for interest and fees, then you should consider financing.

You have a financial plan that has room for borrowing money

If you’ve carefully crafted a budget that has room for monthly payments on your remodel and putting away money for retirement, then you may want to finance your project.

You have a manageable amount of debt

If your household debt isn’t too high, then you may be able to find an affordable financing option for your project.

What are my financing options?

Personal loans
What is this?

Personal loans are a zero-equity financing option, best for urgent projects such as an emergency roof repair. These loans have fixed monthly payments, no prepayment penalties, and you could get one as soon as tomorrow.

Credit cards
What is this?

Credit cards can be a good option if you have an urgent project but can’t find another financing choice. Having a plan to pay back the card quickly is essential.

Home equity loans
What is this?

Secured by your home equity, these loans fund your project by giving you a fixed amount of money. These loans take 4-6 weeks to get.

Home equity line of credit
What is this?

Home equity lines of credit are like a credit card, you can borrow up to a fixed amount. But unlike your credit card, home equity lines use your home equity as collateral.


Project-specific information

Considering a roof replacement or kitchen remodel?
Visit our project financing page to learn more about financing common home renovations.