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 5.99% 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.
We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.
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.
You'll always reach a real human, whether you're seeking answers by email or phone.
Radical repayment flexibility for your personal loan
- Choose your preferred monthly payment
- Increase your payment amount anytime
- Make extra or early payments without fees
- No fees, hidden or otherwise
“The Earnest loan let us finish the project on the schedule we wanted and get back to living our normal life sooner.”
Katie O., Pharmacist
Frequently Asked Questions
What can I use an Earnest personal loan for?
Personal loans can be used for a number of reasons, including but not limited to: vacation/honeymoon, moving/relocation, security deposit, engagement/wedding, home improvement, new job expenses, and career development.
Can I change my requested loan amount?
We can consider approving your loan at a lower amount if you modify your application prior to our decision. Contact our Client Happiness team via email, chat, or phone to request this change or adjust the request by logging in to your Earnest account.
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 all of life’s expenses.