Alert Message
Overhead photo of paint can on floor Overhead photo of paint can on floor

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.


Apply Now

Icons representing home improvement
An experience designed for savings and satisfaction at every step
Icons representing fair evaluation

Fair evaluation

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

Icons representing fast decision & deposit

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.

Icons representing Earnest loan customer service

Human service

You'll always reach a real human, whether you're seeking answers by email or phone.

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


Icon of wallet representing customized payments

“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

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.

Read More About Earnest Personal Loans