HOME IMPROVEMENT
Make your dream home
a reality with a home improvement
loan repayable over time up to $100,000
Make your dream home a reality with a home improvement loan repayable over time up to $100,000
Check your rate in minutes with zero impact to your credit score*
One affordable fixed monthly payment
Checking your rate is free & won't impact your credit score.*
Home improvements? Get a personal loan designed just for that
Check your rate
See your rate and amount you’re eligible for risk free without any costs or impact to your credit.*
Choose your terms
Choose a fixed interest rate that stays the same offering peace of mind with one stable monthly payment.
Get funding fast
Skip the long appraisal process often required for home refinancing and home equity loans. Get approvals in minutes.
No prepayments fee or penalty
Pay off your home improvement loan anytime without prepayment fees or penalty.
You can apply for a home improvement loan quickly and easy in just minutes
1
Choose your loan amount
Choose a loan amount up to $ 100,000.
2
Get your offers in minutes
In just minutes, apply and check your rate with no string attached, no cost, and no impact on your credit score.*
3
Choose your loan terms & funds
Receive multiple loan options and choose the offer that best fits your home improvement goals.
Receive multiple home improvement loan options
Choose the offer that best fits your budget and home improvement goals
Payoff anytime
Payoff anytime without prepayment fees or penalty.
Make your dream home a reality
Skip the long appraisal process, get approvals in minutes.
Home improvement loan FAQs
Why should you consider options other than a credit card for a Home Improvement project?
Credit cards often come with variable interest rates that can increase at any time, making it difficult to anticipate the actual cost of a major purchase or its payoff date. Opt for a personal loan through Smarter Credit instead, where you’ll enjoy a low fixed interest rate and stable monthly payments. This way, you’ll know exactly how much you’ll be paying each month and when you’ll be fully paid off.
Do I need collateral for a personal loan for home improvement?
No, not at all! With a home improvement personal loan through Smarter Credit, you’re not required to use your home as collateral. This streamlines the application process and makes it more straightforward. In just a few minutes, you can check your rate without affecting your credit score or incurring any costs. You can bypass the need for an updated home appraisal and concentrate on your home improvement project.
How much can I borrow with a home improvement loan?
We offer personal loans with a maximum limit of $100,000, with the specific amount you’re eligible to borrow being determined by your application details and qualifications.
Will my credit score be affected if I check my rate?
Checking your rate with us will not impact your credit score. We conduct a soft inquiry on your credit report, visible only to you, to determine the offers for which you may qualify. When you accept an offer and your loan is funded, a hard credit inquiry will be performed, which could influence your credit score and can be viewed by third parties.
What are my options if I want to repay my loan ahead of schedule?
No need to worry, if you’re able to repay your loan ahead of the scheduled final payment, that’s wonderful news. You won’t face any penalties or fees for early repayment.
Check your home improvement loan rate and amount your eligible for in minutes
Checking your rate is free and won’t affect your credit score*
Checking your rate is free and won’t affect your credit score*