Home improvement loans 

Renovate your living space and upgrade your lifestyle. Get prequalified in minutes without affecting your credit score.

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The perks of loans for home improvement 

Using a personal loan for home improvements can help you in the short and long term. You can get ahead of home repairs before they become bigger issues, start that renovation project, increase the value of your home, and even more.

How home renovation loans can help you grow

Turn a house into a home

Use unsecured or secured personal loans to fund your home renovation project

Stay ahead of major repairs 

Fix that leak before it becomes a bigger issue

Increase your home’s value 

Become energy efficient, get a paint job, or invest in new landscaping

Home improvement loan FAQs

How does a home improvement loan work?

The loan is granted for a specific amount and is repaid in periodic installments. The funds can be used for different improvement projects, depending on the lender’s conditions.

How much does it cost to renovate a house?

The cost depends on the type of work, the size of the project, and the materials. Small renovations are usually more affordable, while larger projects require a bigger budget.

What is more expensive, remodeling or building a house?

In many cases, building a house from scratch is more expensive than remodeling, although the final price depends on the scope of the project and the local market.

Can you get a mortgage for a renovation?

Yes, some people use a mortgage or refinancing to cover the cost of a renovation. Oportun does not make mortgage loans. From Oportun, you can get an unsecured personal loan designed for home improvements.

Don’t just take our word for it

115,000 5-star reviews on Google and Trustpilot

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I needed assistance and every financial institution I applied to for help gave united declines toward the underground water pipes of my home being repaired. Not Oportun! They gave me the opportunity to continue owning my home!
Dr. Dee Ann Waite
from Google
I needed a loan to take care of a home project fast. It was quick easy and way cheaper than putting it on a credit card!
Christina Irigoyen
from Google
The whole process was extremely easy and pleasant. The staff representative was very informative, helpful and compassionate. I was able to take care of the emergency that came about with Oportun!! I will recommend them to my family and friends. Happy first time customer.
Claudia Morales
from Google
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#1 savings app of 2025 by Bankrate
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