The case in four points.
Funded in days
Most approvals come back inside 24 hours. Funds wire 2 to 5 business days after you sign.
Fixed rate, fixed payment
You know the monthly number at close and it does not move. Unlike a HELOC, nothing floats with Prime.
No equity required
You do not need home equity. This is an unsecured personal loan underwritten on credit and income.
Soft-pull quote first
We quote your real rate from multiple lenders on a soft pull, before anything hits your report as a hard inquiry.
The process. Step by step.
Short application
Tell us the project, the budget, and your basic financials. Five minutes.
Soft-pull quote
We run you against multiple lenders and come back inside one business day with real offers.
Pick and lock
Choose the offer, sign electronically, lock the rate. The hard pull happens at this step, not before.
Funded
Money wires to your bank account in 2 to 5 business days. Pay the contractor and get the project moving.
Probably you, if any of these are true.
- Homeowners planning kitchen, bath, or addition renovations
- Anyone funding solar, roofing, or major mechanical upgrades
- Households who do not want to touch home equity or open a HELOC
- Long-term renters making improvements on properties they occupy
- Borrowers who prefer a fixed payment to a variable line
Track record
By the numbers
Up to $100K
Loan amount
2 – 5 days
Time to fund
From 6.99%
Rate range
2 – 12 yr
Term length
Things people ask first.
Most home improvement loans run $5,000 to $100,000. Your specific limit depends on credit, income, and existing debt-to-income.
No. These are unsecured personal loans. If you want a lower rate and you have equity, we also run HELOC quotes side by side so you can pick.
A HELOC is a revolving line tied to home equity at a variable rate. A home improvement loan is a fixed lump sum with a fixed payment and no collateral. Your underwriter will tell you which one prices better for your situation.
Best rates go to 680 and up. We have lender partners who go down to 600 with adjusted pricing. The soft-pull quote shows you exactly where you land before you commit.
Most cosmetic, structural, mechanical, energy, and outdoor projects qualify. A few specialty categories need a different product. Your underwriter flags those on the intake call.
Fund the project on a real timeline.
Soft-pull quote inside one business day. Fixed rate, fixed payment, cash in your account by end of week.
Soft credit pull. No hard inquiry unless you accept terms.