Home Improvement Loans
Upgrade your home now, pay for it over time
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Checking your rate is free and won’t impact your credit score.
Personal Loans Built for Home Improvement
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.
Funds sent directly to your account within a day of clearing necessary 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
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
Purchase new energy efficient appliances and more to reduce home 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
How it Works
Check Your RateApply online in minutes and see your rate with no obligation or impact to your credit score.
Choose Your Offer*Review multiple loan options and decide which offer is best to help you achieve your financial goals.
Fast Funding†Accept an offer and we’ll send your money to your bank account within a day of clearing necessary verifications.
Flexibility & Customization
Single Monthly Payment
Choose your monthly payment that won’t ever change and fits your budget.*
Fixed Rate & Term
Pick terms that fit your timeline.
From Our Customers
Working with Upgrade was simple and fast. I completed the application online and had my loan within a few days. I highly recommend!
Thomas, Home Improvement
We’re here to help
How is a personal loan through Upgrade different from a home equity loan or HELOC?
With Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online, and the funds for your unsecured personal loan are directly deposited into your account within days of accepting your offer and fulfilling necessary verifications.† Plus, a personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid. With a home equity loan or HELOC, you use the value of your home as collateral, which means you have to first go through the process of getting an updated home appraisal and complete extra paperwork to know how much you qualify for. Plus, using the equity in your home can work against you if property values in the area decline. With a HELOC, you're issued a line of credit based in part on the difference between your home value and mortgage principal, and the rates on HELOCs may be adjustable, which means your HELOC payments may increase after you receive your money.
Why not use a credit card for my home improvement project?
Credit cards often have high variable interest rates that can increase at any time. This can make it hard to know the true cost of a project and predict when you'll be able to pay it off. When a specific project cost is mixed in with other living expenses, it can become even more difficult to plan when it'll be paid off or even recognize when, or if, it has. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.
Will checking my rate affect my credit score?
Checking your rate won’t impact your credit score. When you check your rate to see what offer(s) you may qualify for, we perform a soft inquiry on your credit report, which won’t impact your credit score. Soft inquiries can only be seen by you. When you accept your offer and submit your bank account information, we perform a second soft inquiry which also does not impact your credit score. Once your loan is funded, we perform a hard inquiry on your credit report, which may impact your credit score and can be viewed by third parties.