Best home improvement picks

Fund renovations without touching home equity. Compare our current picks, matched to your credit profile.

Editor's take: How we pick: we prioritize transparent APRs, no hidden origination surprises, and realistic approval odds.

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Great for renovationsRenew Home Project Loan

512 reviews

APR range7.99%–19.99%

Amount$5,000–$100,000

Term36–84 months

Orig. fee0%–3%

No home equity required
Longer terms for big projects
Fixed monthly payment

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Debt consolidation Major purchase Emergency Fair / bad credit

Frequently asked questions

You borrow a fixed amount and repay it in equal monthly installments over a set term at a fixed rate — so your payment never changes and you know your payoff date up front.

Pre-qualifying uses a soft inquiry that doesn't affect your score. A hard inquiry only happens if you formally apply for a chosen offer.

Most personal loans are flexible — consolidating credit-card debt, home projects, medical bills, or large one-off costs. Rates are usually lower than carrying a card balance.