Lakeside Lending
- No origination fee
- Same-day funding available
- Rate discount with autopay
Est. APR
8.49% – 21.99%
Amount / terms
$2,000–$50,000
24–60 months
Home improvement loans
Unlike a HELOC, a personal loan for home improvement needs no equity, appraisal, or lien on your house — funds can land in days rather than weeks. Fixed rates and terms up to 84 months keep large projects on a predictable schedule.
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Harbor Credit Union
- Member-owned, lower rates
- No prepayment penalty
- Joint applications accepted
Est. APR
9.15% – 17.85%
Amount / terms
$1,000–$35,000
12–48 months
Foundry Bank
- Large loan amounts
- Fixed rates for full term
- Debt consolidation specialists
Est. APR
10.24% – 24.49%
Amount / terms
$5,000–$100,000
36–84 months
Advertiser disclosure: sample offers shown until partner integrations go live. Your actual rate depends on credit profile, income, and state.
Home improvement: FAQs
Personal loan or HELOC?
HELOCs offer lower rates but put your home up as collateral and take weeks to close. Personal loans cost a bit more but are unsecured and fast — better for small-to-mid projects.
Can I borrow for any project?
Yes — lenders do not restrict how you use the funds. Kitchens, roofs, solar, and emergency repairs are all common.
Is the interest tax-deductible?
Generally no for personal loans, unlike some home-equity borrowing used for improvements. Ask a tax professional about your situation.