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Home Improvement

Upgrade your home now, pay for it over time
    Loans up to $50,000
    Affordable monthly payments
    No prepayment fees
    Fast funding†

Checking your rate is free and won’t impact your credit score.

Personal loans built for home improvement

Designed with ease, speed, and simplicity so you can make your vision a reality
Check your rate in minutes

Find out your rate and how much you qualify for in minutes with no obligation and no impact to your credit score.

Customize your offer

Choose from multiple loan options with fixed rates and terms designed to fit your budget.

Fast funding†

You should receive your funds within a day of clearing verifications. No waiting for the lengthy home appraisals that come with refinancing your home or home equity loans.

No prepayment fees

Pay off your loan at any time with absolutely no penalties or extra fees.

Funds to invest in the value of your home

Your home is your biggest investment – let us provide the funds and you choose how to use them
Add value to your home

Transform and customize your house to make it your home.

  • Renovate your kitchen
  • Remodel bathrooms
  • Make your yard an outdoor oasis with a new deck or pool
Save on utility costs

Finance a more efficient home to reduce energy expenses.

  • Invest in solar panels
  • Add insulation
  • Update windows and skylights
Tackle home repairs

Whatever the emergency, a personal loan can help you get your home back up and running fast.

  • Fix that leaky roof
  • Install new windows before winter
  • Fix your air conditioning before the summer heat

It's quick and easy to apply for a personal loan online

Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose your personal loan*

Review multiple loan options and decide which offer is best.

Fast funding†

Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Home improvement personal loans are flexible & customizable

Select an offer

Choose your monthly payment that won’t ever change and fits your budget.

Breakdown of a loan offer, including the loan amount of $15000, an APR of 12.66%, a 36 month loan term, and a monthly payment amount of $449.50

Fixed Rate & Term

Pick terms that fit your timeline.

Showing options for a 36 month loan that would provide a faster payoff
Showing options for a 60 month loan that would provide lower payments

A simple breakdown of a personal loan

Get to know the rates, fees, and your payback plan

If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...

Your APR

The 17.98% APR includes:

14.32% yearly interest rate
5% one-time origination fee ($500)
Your money

You would get $9,500 deposited directly in your account


$500 = $9,500

Your payments

And, each month you would pay back $343.33 over 36 months

What our customers are saying: home improvement loans

One of our high interest credit cards had gotten out of hand and was siphoning funds away from our savings goals. It was a responsible step for us to set up a personal loan that will be paid off in a set time period at much less interest. Because of Upgrade, I can now see our family living debt-free.

Laura S.Personal Loan

Home improvement loan FAQs

Need Help?

Email us at

Or call us at
(844) 319-3909

Monday - Friday, 5am - 7pm PT

Saturday - Sunday, 6am - 5pm PT

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See if a personal loan is right for you.

Checking your rate won’t affect your credit score.

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275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

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