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Home Improvement Loans

Rates so low you’ll raise
the roof (or renovate the basement)

Bring your Pinterest and Houzz dreams to reality. Fixed-rates personal loans start at just 5.25% APR. Apply online in minutes.
Get My Loan

You’ve got the vision.
We’ve got the funds.

Whether it’s a major repair or a much-needed remodel, an Earnest home improvement loan makes your upgrades more affordable. Apply in just a few minutes—we’re excited to help your perfect home happen.

 

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Home-Loans

An experience designed for savings and satisfaction at every step

fair evaluation loans with Earnest
Fast decision & deposit Loans with Earnest
Earnest loan service

Fair evaluation

We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you. Read more about our process.

Fast decision & deposit

We promise a prompt response to your application. If you're approved, we’ll get the money to your bank account within two days.

Expert in-house service

Our San Francisco-based Client Happiness team is at your service for the life of the loan, via phone, text, chat, or email.

fair evaluation loans with Earnest

Fair evaluation

We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you. Read more about our process.

Fast decision & deposit Loans with Earnest

Fast decision & deposit

We promise a prompt response to your application. If you're approved, we’ll get the money to your bank account within two days.

Earnest loan service

Expert in-house service

Our San Francisco-based Client Happiness team is at your service for the life of the loan, via phone, text, chat, or email.

Radical repayment flexibility for your personal loan

Pay off your loan with options customized to your life

  • Choose your preferred monthly payment
  • Increase your payment amount anytime

  • Make extra or early payments without fees
  • No fees, hidden or otherwise

 

Earnest loans

“The Earnest loan let us finish the project on the schedule we wanted and get back to living our normal life sooner.”

Katie Oderda, Pharmacist

Money for life's biggest moments

Home improvement is a popular use for personal loans—but Earnest clients use their funds for all kinds of occasions. From credit card consolidation to weddings to vacations, an Earnest personal loan can help you afford life’s expenses.

Read More About Earnest Personal Loans