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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 renovation or remodeling project could make your dreams a reality. With one, you can make payments over time but start working on your kitchen remodel or roof replacement now. This way, you can enjoy your kitchen makeover or new roof without the worry of paying one large bill at one time.

What’s the difference between a home equity loan, HELOC and personal loan?

A home equity loan and home equity line of credit, or HELOC, are similar in some ways: they borrow against your home equity and require your home as collateral. However, they have several differences as well.

The key difference is that a home equity loan is paid out in a lump sum and a HELOC provides an open line of credit, like a credit card. Another important difference is interest rates. Most HELOCs have variable interest rates, which means the rate and monthly payment can change.2 Home equity loans have fixed rates, like your original mortgage, so the payment will stay the same until the loan is paid in full.3

With a personal loan from OneMain, we might require collateral such as your car, but it won’t be your home. All of our loans are paid out in a lump sum with a fixed interest rate, meaning you get your money up front and can count on the same rate and monthly payment amount if you pay on time every month. And like a home equity loan and HELOC, you can use the funds in many home-related ways, 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 for home improvement best suits your financial needs. Just think — you could get your money the same day if you’re approved by noon4, getting you that much closer to starting your next home improvement project, such as a bathroom remodel or home addition.

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

4 Funding Options; Availability of Funds: Loan proceeds may be disbursed by check or electronically deposited to the borrower’s bank account through the Automated Clearing House (ACH) or debit card (SpeedFunds) networks. ACH funds are available approximately 1 to 2 business days after the loan closing date. Funds through SpeedFunds are available on the loan closing date.

Benefits of a personal loan for home improvement include:


No home appraisal costs


No prepayment fees


Fixed interest rate

Ready to turn your dreams into reality?Get started now.

Check for Offers

This won’t affect your credit score.

Real stories of how OneMain customers used their personal loan for home improvement.5

“The process was quick and simple, and the OneMain staff were pleasant and knowledgeable. By lowering my monthly payments, I was able to remodel my home for an excellent return, and it sold in less than two weeks. Now I’m looking forward to a much better financial future thanks to OneMain Financial.”5

— Holly H., 2/25/20

“Helped me out immensely, friendly staff helped me out getting a loan to make unscheduled home repairs! Thanks so much!.”5

— Johnny, 12/10/19

5 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: