Upgrade Est. APR7.74-35.99%
Loan amount$1,000-$75,000
Min. credit600
Time to fund1 day
Home improvement financing
Plan your home repair with a rate you can count on.
A new roof, furnace, or HVAC can cost you thousands of dollars. Compare real personal-loan rates from top lenders first — so you walk into the quote knowing exactly what you can afford.
- Soft check — no credit impact
- Compare top lenders side by side
How checking your rate works
- 1Tell us about your repairShare how much you need to borrow.
- 2Compare real ratesSee offers from top lenders side by side, below.
- 3Check your rateIt takes about 3 minutes and won't affect your credit score.
Shop first, sign smarter
Why check rates before your contractor search
Personal loan — you shop first
- Compare multiple lendersOne search, several real offers side by side
- Know your number firstWalk into the quote with a budget in hand
- Use it with any contractorCash in your account, spend it anywhere
- Fixed rateYour payment never changes
Contractor's financing
- One offer, one companyNo way to compare what's fair
- Decided in the sales conversationPressure to sign on the spot
- Tied to that contractorLocked in before you've shopped
- Often a promo rate that resetsThe low rate may not last
Our top picks
Compare personal loans for home repairs
Advertiser Disclosure: Ratings are set by NerdWallet's editorial team and are not influenced by advertisers. NerdWallet may be compensated when you click an offer below.
Upgrade 
SoFi Personal Loan Est. APR6.99-35.49%
Loan amount$5,000-$100,000
Min. creditNone
Time to fundSame day
Patelco Credit Union Personal Loan Est. APR6.99-17.90%
Loan amount$300-$100,000
Min. credit630
Time to fund2-3 days
Happen Bank (formerly LendingClub) Est. APR5.96-35.99%
Loan amount$1,000-$75,000
Min. credit600
Time to fundNext day
Upstart Est. APR6.20-35.99%
Loan amount$1,000-$75,000
Min. creditNone
Time to fund1 day
Best Egg Est. APR6.99-35.99%
Loan amount$2,000-$50,000
Min. credit600
Time to fundNext business day
Your actual rate depends on your credit profile and the lender's approval. Pre-qualifying uses a soft credit inquiry that won't affect your score; applying may require a hard inquiry.
Good to know
Before you borrow
No. Pre-qualifying uses a soft credit inquiry to show you estimated rates, and a soft inquiry never affects your credit score. You only trigger a hard inquiry if you formally apply for a loan you've chosen.
A personal loan is unsecured, funds in as little as a day, and doesn't put your house on the line — good for a fast, defined repair. A HELOC or home-equity loan usually carries a lower rate but takes longer, has closing costs, and uses your home as collateral. For a single roof or HVAC job, many homeowners prefer the speed and simplicity of a personal loan.
Several lenders here fund the same day or the next business day once you're approved and your paperwork is signed — often before your contractor can start the work.
Yes. The funds land in your bank account, so you're free to hire any contractor and pay for materials directly — you're not tied to whoever offers financing at the sales table.
See your rate in about 3 minutes.
No fluff, no spin — just the numbers, so you can plan your repair with confidence.
Check your rateChecking won't affect your credit score.
Pre-qualifying shows estimated rates using a soft credit inquiry, which won't affect your credit score. Applying for a loan may require a hard credit inquiry and is subject to lender approval. NerdWallet maintains editorial independence; advertisers do not influence our ratings or recommendations.