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Is There Anything More Personal Than Your Home?

Your home is more than a place to sleep or a collection of appliances and furniture. It’s a refuge. A castle. A monumental assertion of who you are, or who you want to be. Few expressions of ourselves are more powerful or lasting than the design, decoration, and maintenance of our homes.

But there are practical considerations as well. For most of us, our home is the most expensive investment we’ll ever make. It requires upkeep, improvement, and sometimes substantial overhaul.

Whether you’re trying to maintain functionality or remodel for improved quality of life and higher resale value, the right home loan can open up possibilities you’d never access paying out-of-pocket or running up your credit cards. You can renovate that kitchen, or add that bedroom, or convert that garage to accommodate your growing family.

It’s all part of the balance between improving your home as a living space and treating your property as an investment. Fortunately, making good choices about repairs, upgrades, or remodeling accomplishes both. You can enjoy your surroundings more, use them more effectively, and increase the overall value should you ever decide to sell. It’s not every day that our personal and financial goals align so easily; we should make the most of it when they do.

Let us help connect you with lenders who will listen to your needs and discuss your goals. We’re confident one of them can offer you a pathway to help it all come together. It will no doubt take some time and there may be tough choices to be made along the way, but the possibilities are certainly promising. We can’t wait to see what you decide.

Welcome home… again.

Home Improvement Loan Options

Every loan is a risk, even when that loan is being taken out specifically to improve the property in which you live. Consider your options carefully before committing to large-scale projects, and secure estimates from qualified professionals for work you’re not doing yourself. Be realistic about timelines, and realize that whenever you begin major renovation on a home, unexpected events and unanticipated expenses can dramatically change the logistics as well as the cost. It’s rare that they don’t. You’ll want to keep such things in mind when considering home repair loans.

Total loan amounts, interest rates, and other terms available to you are largely determined by your credit rating and history. It’s often possible to secure home improvement loans with bad credit, but you may not be offered the full amount you seek or the terms you’d like. Don’t limit yourself to a single lender; try your local bank or credit union as well as exploring online options. Many credible online lenders offer remodeling loans on quite favorable terms, even if your credit is less than ideal.

While it’s possible in some cases to finance home improvement through home equity loans, most home improvement loans are unsecured personal loans. This means you’re not required to secure the loan through collateral – you’re not risking your property or anything tangible in order to get the loan. On the other hand, your ability to make the agreed upon monthly payments in a timely manner throughout the life of the loan will have a substantial impact on your credit rating, for better or worse. Like any loan, the terms and flexibility available to you when financing home renovations are largely shaped by your credit history. How you manage this loan then shapes your credit history going forward. This can make the experience both rewarding and a bit intimidating.

Considerations Before Taking Out A Home Renovation Loan

Most skilled laborers are honest, hard-working people who want to do right by you and your home, but there are too many horror stories out there to become overly comfortable or careless. Take advantage of local resources and ask for references whenever you’re inviting workers into your home. Legitimate professionals are more than happy to provide them, as well as verifying their membership in any local organizations formed specifically to guarantee quality and honesty.

Check with local government about possible permits or other paperwork which may be required, depending on the type of work you’re doing. While it’s rare for cities or counties to shut down efforts by individual homeowners to do normal home projects, you want to avoid unnecessary stoppages or potential fees and penalties. You don’t have to like the system, but you do have to follow it most of the time.

Speaking of government, one of the ironies of home improvement is that when you raise the value of your property by making it better, you’re often raising your own property taxes as a result. While that’s usually a worthwhile tradeoff, you’ll want to be prepared for a higher bill come tax time.

Finally, when everything turns out wonderfully, be generous with positive word-of-mouth for those who helped make it happen. It’s part of paying it forward and helping the next homeowner have the best possible experience with their unique projects as well. Or, if you did most of the work yourself, take a moment to appreciate the value and additional enjoyment you’ve brought to your home. Either way, well done.

Loanry® is here to help you pay off your Home Improvement Loans


Why Loanry?

There are many things your local bank or credit union does well. You probably have a checking account with someone in your area, maybe a debit card or savings account as well. They have those nice lobbies and your kid still gets a sucker, just like all those years ago when your parents had to do all of their banking in person. But that’s not the only thing that hasn’t changed much over the years…

It’s still hard to work around the hours they’re open each day. You still have to sign in to speak to someone something like home repair loans, and there’s no guarantee the right person will even be available. It means trying to look just right, say the right things, act the right way – all without any guarantee you’ll get in with the right person, that they’ll understand your circumstances, or that as an institution they even have the flexibility necessary to work out terms that keep both of you happy. And if you’re looking for home improvement loans with bad credit, well…

They’re not unpleasant people; they’re just what they are – brick-and-mortar institutions still operating pretty much as they have for centuries.

But this is the 21st century, and lending doesn’t have to be the same as it was when your parents dressed up and promised you that sucker if you were good. The versatility and convenience of online lenders means you can submit your requests and fill out your information on your schedule, according to your timeline. Lunch break at the office, late at night after the kids have gone to bed, or sipping your coffee on Sunday morning. In most cases, you’ll still have your answers within less time than you’d think – sometimes the same day.


For most of us, our homes are the most important and the most expensive investment we’ll ever make. They’re where we spend most of our time, and the place where we build most of our memories. As we age, they’re likely to be our greatest source of personal wealth. It in no way detracts from their emotional and personal value to recognize their financial importance as well. Caring for one often means caring for the other.

One of the biggest surprises for new homeowners is just how much care and maintenance the average home requires. Most of these are things we can learn to do ourselves, but from time to time it becomes clear that the house in which we live requires a more substantial approach. It’s time to renovate, or do major repairs, or remodel, or maybe even expand. Those are the times we want to carefully balance the personal aesthetics and functionality of what we’re about to do with the financial impact. What will this cost? How will the finished result raise or lower the value of the house on the open market? What are the ramifications for the future if I make Decision A, Decision B, or Decision C?

There are no guarantees, and usually no easy answers. That doesn’t mean it has to be harder than necessary, however. Doing your research and securing multiple bids on the work you’re about to have done is simply good judgement. The same is true of doing your homework and getting multiple offers on any loans you take out to pay for it.


If you’re a homeowner, you’ve no doubt already learned a thing or two about managing your personal or small business finances. Now you’re thinking about major improvements and many of the same questions you had when you were first looking to buy are probably coming up again. Maybe you’re curious about different sorts of loan options, or perhaps you’d simply like to find a good online loan calculator so you can play with different interest rates, down payments, and repayment schedules. Either way, we can probably help you out.

We’re not looking to tell you what to do with your money or what will make you happiest in the long run. We’re not a lender and we’ll never try to sell you anything. Instead, we hope to provide a setting in which you feel prepared to more effectively explore your options and make your own financial decisions.

That’s why we’re more than an online lending marketplace. We have over a thousand informational blogs organized by topic and freely accessible from any internet-connected device you choose and hundreds of videos covering many of the same issues on YouTube. You can follow us on any of the major social media platforms to stay up-to-date yourself.

Our family of connected sites forms what we think of as a “content mall” – a collection of financial knowledge and online tools. When you’re ready, a single ID and password will help us best keep track of your goals and basic information as you navigate our online “content mall.”

With, for example, we simplifying real estate evaluation and help you make more informed decisions about your property. At, we compare helpful and harmful debt and look at ways to turn the latter into the former. is all about understanding your personal and small business taxes and maximizing your ability to navigate the requirements of each. and are about meeting short and long-term needs for financing along with educating ourselves on how that credit works, the many different options associated with each, and how to best utilize – or avoid – loans and other forms of credit, now and in the future.


Did You Hear?

“Nothing can stop the man with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude.”

Thomas Jefferson (Founding Father and U.S. President, 1801 – 1809)

Educate Yourself

Should You Get A Personal Loan for

Home Improvement Projects?

Any home requires upkeep. And it’s not just time and money we’re investing – it’s emotion, and commitment, and an expression of ourselves and who we want to be. There are many ways to finance home improvement or maintenance, from credit cards to borrowing against the value of your home to putting up some other form of collateral. It’s often possible to secure a personal loan for financing home renovations, often on better terms than you’ll find at traditional lenders. Each option has its own benefits and carries its own risks. None are steps to be taken lightly or without careful planning and consideration.

You don’t have to make the decision alone. We may be able to help you find a lender whose specialty is understanding your circumstances and your needs, and then you can decide what’s most practical for you and your loved ones – and for that home which means so much.

And you will. Because you got this.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Pros and Cons of Loans for Home Improvement Loans

A personal loan can be useful in a number of situations. Whether you want to consolidate bills to a lower payment or cover an unplanned emergency expense, personal loans are designed to help bridge the gap.

Pro: Adds Value To Your Biggest Investment

For most of us, our home is the most expensive thing we'll ever own. Proper upkeep, strategic renovation, or timely additions increase our quality of life in the short-term and the value of our property over the long-term.

Pros: Highly Versatile

You know best what your home needs to maintain or increase its value to you and the future market. Home improvement loans can be used for your specific circumstances. If it turns out plans have to be adjusted on the fly, then you can use the money for what ever you need.

Pro: Better Rates and Better Terms

Credit cards or other sources of revolving credit have their place, but generally you can secure a home improvement loan on far more favorable terms than charging as you go or sacrificing other essential elements in your budget to pay for essential upkeep or improvements.

Con: Home Improvement Costs Can Be Difficult to Predict

Even with careful planning and budgeting, home renovation or repair almost always comes with a few surprises once work is underway and it's too late to turn back. Leave yourself a cushion of 10% - 20% to respond to the unknown. Then, if all goes smoothly... bonus!

Con: Unsecured Loans Limited By Your Credit History

It’s sometimes possible to use your home’s equity to secure a home repair loans. Otherwise, the amount available to you and the terms offered will be largely determined by your personal credit history. You may not be able to do everything you want to do the way you want to do it when financing home renovations.

Con: A Long-Term Commitment

Hopefully you'll enjoy the results of your repairs, remodeling, or renovations, for decades to come, just as excited about them five years later as you were the day they were first completed. Even if the thrill fades over time, however, the monthly amount due in repayment of your loan does not - at least not until the loan has been repaid in full. Delinquent payments hurt your credit rating and make it more difficult to secure the best terms and rates next time you decide to finance.

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Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


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