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Home improvement financing

Compare personal loans for your home repair.

A new roof, furnace, HVAC, or other big home repair can cost you thousands. A personal loan can help you plan for it. See estimated rates from top lenders before you sign with a contractor.

Check your rate in 3 minutes

Checking won't affect your credit score.

Why Check Your Rates Before Starting Your Contractor Search

Feature Personal loan (shop first) Contractor's financing
Rate Compare multiple lenders One offer, from one company
Timing Know your number before the quote Decided in the sales conversation
Flexibility Use with any contractor Tied to that one company
Rate type Fixed Often a promotional rate that resets

Compare personal loans for home repairs

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  • LightStream

    Best for overall home improvement loan

    Est. APR
    7.24-24.89%
    Loan amount
    $5,000-$100,000
    Term
    2 to 7 years
    Min. credit score
    660
    Time to fund
    Same day
    Check your rate

  • Upgrade

    Best for borrowers with fair credit

    Est. APR
    7.74-35.99%
    Loan amount
    $1,000-$50,000
    Term
    2 to 7 years
    Min. credit score
    600
    Time to fund
    1 day
    Check your rate

  • First Tech Credit Union Personal Loan

    Best for credit union members

    Est. APR
    7.89-18.00%
    Loan amount
    $500-$50,000
    Term
    6 months to 7 years
    Min. credit score
    None
    Time to fund
    Same day
    Check your rate

  • SoFi Personal Loan

    Best for large loan amounts

    Est. APR
    6.99-35.49%
    Loan amount
    $5,000-$100,000
    Term
    2 to 7 years
    Min. credit score
    None
    Time to fund
    Same day
    Check your rate

  • Upstart

    Best for thin- or low-credit borrowers

    Est. APR
    6.20-35.99%
    Loan amount
    $1,000-$75,000
    Term
    3 to 7 years
    Min. credit score
    None
    Time to fund
    1 day
    Check your rate

  • Best Egg

    Best for secured loan options

    Est. APR
    5.99-35.99%
    Loan amount
    $2,000-$50,000
    Term
    3 to 7 years
    Min. credit score
    600
    Time to fund
    1 day
    Check your rate

Your actual rate depends on your credit profile and the lender's approval.

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.