Home improvement loans with bad credit

See personalized rates in 60 seconds without affecting your credit score.

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Comparing rates won't affect your credit score

No home equity needed

No obligation to get a loan

  • Checking your rates won't affect your credit score
  • No home quity needed
  • No obligation to get a loan

When should you consider a home improvement loan if you have bad credit?

Fortunately, you aren’t stuck with a low credit score. By reducing your debt load and monitoring your spending, you can set yourself on the path toward repairing your credit.

Until then, however, it’ll be tough to find good rates that enable low monthly payments. That’s why, before looking for a home improvement loan with bad credit, you need to ask yourself: do I really need to take out a loan now?

Most of the time, the answer is probably no. Unless your project is urgent, you should wait to save cash or improve your credit score before beginning your remodel. You’ll avoid large interest payments and fees–setting yourself up to gain control of your financial situation.

Sometimes you have to remodel now even if you'd rather avoid a project.

Perhaps you found mold in your basement and now have to rip out the walls, or maybe your roof needs an emergency repair. In these cases, you can’t afford to wait to save cash or repair your credit. Finding the lowest rates possible becomes critical, although you should watch out for scams.

Personal loans for bad credit

If you have a credit score above 500, you may be able to pre-qualify for a personal loan. Personal loans have fixed monthly payments, letting you budget with certainty each month. They also don’t require any home equity.

Not all personal loan providers serve homeowners with bad credit. That’s why it’s important to shop around and try to get options from several lending providers.

Hearth lets you compare rates from multiple personal loan providers without affecting your credit score. Even if you have bad credit, you still may be able to find a home improvement loan through Hearth by following these steps:

  • Complete one secure loan request: We protect your information using the same level of encryption as your bank. Using Hearth is 100% free and won’t affect your credit score.
  • Compare rates: If you receive options, you’ll be able to compare them side by side to find the best deal.
  • Get a loan: Once you find an option you like, you’ll be able to continue your application with one of our lending partners and get a loan within 2 weeks.

We have partners that specialize in home improvement loans with bad credit, so we may be able to find you an option. However, unless your project is truly urgent, we recommend you wait until you can save cash or improve your credit score.

Ready to start your project?

See home improvement loan options for bad credit.

Compare personal loan rates

* All loan information is presented without warranty, and estimated APR and other terms are not binding. Hearth’s lending partners generally present a range of APRs (for instance, from 5% to 35.99%) with a range of terms and monthly payments. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would have a monthly payment of $344.21. Actual APRs will depend on factors like credit score, loan amount, loan term, and credit history. Only borrowers with excellent credit will qualify for the lowest APRs. All loans are subject to credit review and approval.
Hearth is a technology company, which is licensed as a broker as may be required by state law. NMLS ID# 1628533 |NMLS Consumer Access. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions; this site does not constitute an offer or solicitation to lend. All insurance services are provided by Hearth Home Insurance Solutions, Inc. Hearth may be compensated by third-party advertisers.