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Home Improvement Loans

Upgrade your home now, pay for it over time

  • Loans up to $50,000
  • Fast funding†
  • Affordable monthly payments
  • No prepayment fees
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

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

1

Check your rate

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

2

Choose your offer*

Review multiple loan options and decide which offer is best to help you achieve your financial goals.

3

Fast Funding†

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

Flexibility & Customization

Choose the best option that fits your monthly budget and schedule
Select Offer diagram

  1. Single Monthly Payment

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

  2. 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
Trustpilot
See More Reviews

We’re here to help

How is a personal loan through Upgrade different from a home equity loan or HELOC?
Why not use a credit card for my home improvement project?
Will checking my rate affect my credit score?

Need Help?

Email us at
support@upgrade.com
Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

* Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's bank partners.

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