Renovate now.
No home equity required.

Finance your home renovation projects with competitive rates and flexible terms.

4.99%–29.99% APR$5,000–$50,000 Loan Amount24–60 mo Term

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Popular projects our borrowers finance

Skip the home equity paperwork and appraisal — get a fixed-rate loan based on your own creditworthiness.

Kitchen & Bath Remodels

Cabinets, countertops, and fixtures that boost your home's everyday comfort and resale value.

Roof & HVAC Replacement

Protect your home and improve efficiency with major system replacements financed up front.

Energy-Efficient Upgrades

Solar, insulation, and windows that lower your utility bills over time.

Additions & ADUs

Add square footage or a rental unit without refinancing your mortgage.

Why finance with LendWise instead of a HELOC

No home equity required
Fixed rates
Large project budgets
Quick approval

<h2>Transform Your Home</h2><p>From kitchen remodels to roof replacements, finance your home improvement projects without tapping into your home equity.</p><h3>Popular Projects</h3><ul><li>Kitchen and bathroom remodels</li><li>Roof and HVAC replacement</li><li>Energy-efficient upgrades</li><li>Additions and ADUs</li></ul>

Home Improvement Loan

APR Range4.99% – 29.99%

Loan Amount$5,000 – $50,000

Term24 – 60 months

Origination Fee0.00%

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How it works

Estimate Your Project Cost

Get quotes from your contractor, then check your rate for the amount you need.

Get Approved

No appraisal or home equity paperwork — approval is based on your personal creditworthiness.

Start Renovating

Funds land in your account as soon as the next business day so your project can begin on schedule.

Home improvement loan FAQs

No. Home improvement loans through LendWise are unsecured, so there's no lien on your home and no appraisal required.

Yes. Funds are deposited into your bank account, so you can pay your contractor, supplier, or yourself on whatever schedule your project requires.

Loan amounts range from $5,000 to $50,000, depending on your financial profile.

Renovate now.No home equity required.