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Personal loans for home improvement

Make your home feel new again.

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This won’t affect your credit score.

Add value and comfort to your home with a personal loan1 for home improvement.

Using a personal loan to fund your next home remodeling or renovation project could make your dreams a reality. With a personal loan, you can make payments over time but get the work started now. This way, you can enjoy your upgrades or repairs without the worry of paying one large bill at one time.

What’s the difference between a home equity loan and a personal loan for home improvement?

Home equity loans require you to use your home as collateral and may even require your home to be appraised. With a personal loan from OneMain, we might require collateral such as your car but it won’t be your home. You’ll also have the flexibility to use the funds however you want, like investing in energy-efficient appliances to save money in the long run.

Why should I choose OneMain to finance my home improvement?

We understand you might need funds to hire a contractor or pay for materials ahead of time. Our loan experts will work with you one-on-one to help you determine if a personal loan suits your budget and needs. And with fixed interest rates and fixed monthly payments, you’ll know exactly what to expect. Just think — you could get your money the same day if you’re approved by noon2, getting you that much closer to starting your bathroom remodel or roof replacement.

Today’s the day. See if you prequalify for a OneMain personal loan for home improvement!

Benefits of a personal loan for home improvement include:

Home

No home appraisal costs

Money

No prepayment fees

Calculator

Fixed interest rate

Ready to turn your dreams into reality?See if you prequalify for a OneMain personal loan now.

Check for Offers

This won’t affect your credit score.

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Real stories of how OneMain customers used their personal loan for home improvement.3

“Super easy to renew my loan to get extra cash for a bathroom remodel! I loved how quickly I got the money. Will recommend and use again.”3

— Jessica W., 6/5/18

“I needed some funding to finish repairing damage caused to my roof by Hurricane Irma. OneMain Financial was able to do that in one day.”3

— Jame S., 5/24/18

3 These customer testimonials reflect individuals' personal experiences, so you may not have the same results

Want more info on how home improvements could save you money? These can help:

Couple building furniture
Small home improvements, big impact
Family on construction site
Smart home improvements can pay big dividends

Looking for something else? Check out these other uses for personal loans.4

Piggy Bank

Debt Consolidation5

Two People

Life Events

Boat

Recreation

Car

Auto Loans

Home

Home Projects

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1 Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle. Active duty military, their spouse or dependents covered by the Military Lending Act may not pledge any vehicle as collateral.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

2 Funding Options; Availability of Funds: Loan proceeds may be disbursed by check or Automated Clearing House (ACH) deposit. ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing.

4 OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university, or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities.

5 Important Notice About Refinancing or Debt Consolidation: When you refinance or consolidate your existing debts, your total finance charges over the life of the new loan may be higher than for your current debt(s) because your interest rate may be higher and/or your loan term may be longer.

For Housing Counselors in the State of Washington, please email us at the following link in regards to your customers loan modification status: REModifications@onemainfinancial.com. Please ensure your customer has provided us with authorization to work with you.

CA: OneMain Financial Group, LLC - Loans made or arranged pursuant to Department of Business Oversight California Finance Lenders License. NH: OneMain Financial Group, LLC – NMLS # 1339418. PA: OneMain Financial Group, LLC – Licensed by the Pennsylvania Department of Banking and Securities.

For residents of the State of Washington only: OneMain Financial Group, LLC – Consumer Loan Company License – NMLS # 1339418. Click here for the NMLS Consumer Access Database.

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