Upgrade your home now, pay for it over time
Checking your rate is free and won’t impact your credit score.
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**Reach your goals with a personal loan through Upgrade
Personal loans built for home improvement
Check your rate in minutes
Customize your offer
Fast funding†
No prepayment fees
Funds to invest in the value of your home
Add value to your home
- Renovate your kitchen
- Remodel bathrooms
- Make your yard an outdoor oasis with a new deck or pool
Save on utility costs
- Invest in solar panels
- Add insulation
- Update windows and skylights
Tackle home repairs
- 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
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Review multiple loan options and decide which offer is best.
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.
Fixed Rate & Term
Pick terms that fit your timeline.
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...
The 17.98% APR includes:
You would get $9,500 deposited directly in your account
$10,000 —
$500 = $9,500
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.”
Home improvement loan FAQs
- 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.
Read more about the pros and cons of a personal loan, home equity loan, or other financing options.
- 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.
Read more about the pros and cons of a personal loan, credit card, or other financing options.
- Do I need collateral for a personal loan for home improvement?
- No! With a home improvement personal loan through Upgrade, you don’t need to use your home as collateral. This makes the application process simpler and easier. You can check your rate in just a couple of minutes with no impact to your credit score and for no cost. You can skip the process of getting an updated home appraisal and focus on your home improvement project.
- What is the process for getting a personal loan for home improvement?
- The process is simple. First, check your rate. It only takes a couple of minutes and has no impact to your credit score or cost. If you decide that the loan fits your needs, finish your online application. Once you’ve shared any documents Upgrade requests and complete the verifications process you should receive your funds within a day.†
- 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.
- What if I want to pay off my loan sooner?
- Don’t worry, if you find that you can pay off your loan before your final payment, that’s great! You won’t be penalized - there are no prepayment fees!
- How much can I borrow?
- With a personal loan through Upgrade, you can borrow $1,000 to $50,000. You should receive your money in your bank account within a day of clearing necessary verifications.†
Need Help?
Email us at
support@upgrade.com
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See if a personal loan is right for you.
Checking your rate won’t affect your credit score.
