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Home improvement loans

Get a zero-equity loan for your remodel as soon as tomorrow.

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  • Checking your rates won’t affect your credit score
  • No home equity required
  • Fixed monthly payments & guaranteed interest rate
  • Best for remodels up to $35,000
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How do I find home improvement loan options?

You can get personalized rates in three easy steps:

  1. Complete our secure application: Finding home renovation loan rates through Hearth starts with filling out our three minute application. Your privacy is critical to us; we use the same level of encryption as your bank. Using Hearth is 100% free and will not affect your credit score.

  2. Compare your options: We’ll find you personalized rates from our lending partners after you finish our application. Compare loan options by APR, term, amount, and more to find the right renovation financing option for your project and bank account.

  3. Fund your home remodel within a day: Getting approved is easy once you find the right loan. Just press the “continue” button to finish your application, verify your income, and you’ll get an instant approval decision.

What remodel loans can I find through Hearth?

Every loan option we find you is a personal loan. Personal loans help you:

  • Remodel without having home equity: Personal loans for home improvement do not require home equity. No equity requirement means no costly closing process or appraisal fees.

  • Pay the same amount each month: Personal loans have fixed interest rates, so even if rates rise, your monthly payments will remain the same.

  • Avoid long-term debt: Every renovation loan option we find you has a term of just 3-7 years, so your won’t still be paying for your project 30 years from now.

  • Repay your loan early without fees: Personal loans have zero prepayment fees. Don’t pay a price for paying ahead of schedule.

  • Dodge hidden fees: Personal loans just have a one-time origination fee. And that’s it.

When should I find home improvement loans through Hearth?

Searching for a home renovation loan through Hearth makes sense when:

You need to remodel now

Cash is the best way to finance your project unless you’re in a hurry. But if you don’t have time to save, then you should consider finding a loan through Hearth. Unlike home equity loans or lines of credit, which take 4-6 weeks for approval, you can get a personal loan within a day.

You lack home equity

Personal loans are likely your cheapest option if you don’t have enough home equity or want to save it for later. However, as you decide between options, remember that loans secured by your home equity usually have lower rates than personal loans. If possible, try to wait until you have more home equity or save enough cash.

You’re considering a credit card for a large project

Personal loans tend to have lower interest rates than credit cards. According to the Federal Reserve, the average interest rate on a credit card is 2% higher than a personal loan.

You need funds to pay insurance deductibles

Personal loans can be a great way to get the cash you need to pay for deductibles on your homeowners insurance.

Where can I learn more about home improvement loans?

  • Home Improvement Loans: The Homeowner’s Guide: This definitive guide teaches you everything you need to know about finding the best way to pay for your next home remodel. Written in consultation with personal finance experts, the guide is guaranteed to answer your questions about paying for your project.

  • Personal Loans for Home Improvement: This article goes into more detail on personal loans for home improvement. You’ll learn when to consider a personal loan, how your rates are determined, and more.

  • Home Improvement Loan Calculator: Use our calculator to see how the amount you request, your interest rate, and term affect your monthly payment.

  • Home Repair Loans: Looking to repair your home? Read our article on home repair loans to learn about picking the right financing option for your project.

Ready to start your remodel?

See your home improvement loan options

Get renovation finance advice from Hearth

We’ll send you useful tips and tricks to help you make informed financial decisions during your home improvement project.