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Home Improvement Loans

Brighten up your home without breaking the budget.

Apply for a home improvement or repair loan from $1,500 - $20,0001 and open the door to new value and comfort.

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This won’t affect your credit score.

What you get with every OneMain home improvement loan

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Loans that work for your budget

Fixed payments and clear, upfront terms.

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Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

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Support from start to finish

Real people in branches, on the phone and ready to help online.

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Invest in your nest with a personal loan for home improvement

Whether it’s DIY or you’re using a contractor, you might need funds to pay for a home improvement project or repair ahead of time. By using a OneMain personal loan for your next home repair or renovation, you can get the money you need to improve your home now and pay it back over time with predictable monthly payments. Add value to your home or make an essential repair, while creating a gathering place your family can feel proud of.

See below if you’re prequalified for a home improvement loan.

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Checking won’t affect your credit score.

How does a home improvement loan work?

Let’s say you’re updating your kitchen with more energy-efficient appliances and freshly painted cabinets or need to repair a leaky dishwasher and the resulting water damage. A personal loan can help you get the money you need up front to buy building materials, appliances or hire a contractor. That way you can get the money you need to take on the task – and spread out repayment with manageable monthly payments.

Instead of a loan from OneMain, an option for making home improvements or repairs is a home equity loan or home equity line of credit (HELOC), where you borrow against your home equity and use your home as collateral. Unlike OneMain personal loans, most HELOCs have variable interest rates and appraisal fees, which can cause costs to add up quickly.

Why should I choose OneMain to finance my home improvements or repairs?

At OneMain, we’re on the project right with you, working one-on-one to help you figure out if a home renovation or repair loan will get the job done – for you and your budget. With fixed payments and no surprise fees, you can borrow the money you need, knowing exactly what you’ll pay each month.

And we’ll still be in your corner after the dust has settled, offering budget-building resources, free credit score tracking and savings tools to help you grow your money know-how.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

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This won’t affect your credit score.

Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.5

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Need more info on home improvement loans? You've come to the right place:

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Answers to common customer questions

As you research, you’ll find a handful of different home improvement and repair loan options. What’s “best” really depends on what you’re looking for.

If a lender determines you have equity in your home, a home equity loan or home equity line of credit (HELOC) may be an option to consider. These are both secured loans, meaning your home is on the line as collateral, so you could lose your home if you’re unable to make your loan payments. It’s important to consider that even if the interest rates look pretty good, you still need to take into account appraisal fees, which can cause costs to add up quickly. Also, a HELOC usually comes with a variable interest rate, which means the APR for your loan could fluctuate — up or down. OneMain does not offer home equity loans or HELOCs.

At OneMain our personal loans offer an affordable option for financing home improvement or repair projects, because we don’t charge appraisal fees like home equity loans do. Also, every OneMain personal loan comes with monthly payments at a fixed interest rate, which means easier budget planning. And if you’re in a hurry to get your project started, we’ve got you covered. You can check for loan offers, submit an online application and have a response in minutes.6

If you’re on a budget, the thought of paying for home renovations or repairs can be overwhelming. When deciding whether a personal loan for your home improvement is a good idea, consider this: a OneMain personal loan lets you pay for your home remodel, repair or renovation now, so you can spread out the costs and repay it over time instead of all at once. With a fixed loan payment and no surprise fees, you know exactly what you’ll pay each month, making it easier to budget.

The amount of time you can finance a home improvement, renovation or repair loan varies by customer, but OneMain Financial loans typically have repayment terms of 2-5 years.

Here are a few things that affect your eligibility:

  • Financial history / Credit history
  • Income and expenses
  • Loan purpose
  • Whether you have filed for bankruptcy
  • State of residence


Before you close your loan, OneMain will need the following documentation from you:

  • Proof of identity (such as a driver’s license, state-issued ID card, passport, or available third-party verification service)
  • Proof of residence (such as a driver’s license with current address, utility bill, or signed lease)
  • Proof of income (such as pay stubs or tax returns)


We may ask for more info based on your unique situation. Take the next step and start your loan application today.

More questions? Check out more FAQs.