About home repair loans
Homes need constant care. A failing water heater, a leaking roof or a broken refrigerator cannot wait until your next bonus. A home repair loan lets you fix the problem right away and protect the value of your property.
Our loans are unsecured, so you do not need home equity or an appraisal. That makes them a practical option for renters and homeowners who need smaller amounts quickly.
Common ways people use this loan
- Plumbing and water heater replacement
- Heating, cooling and ventilation repairs
- Roof patching and window replacement
- Refrigerator, washer or oven replacement
- Security upgrades and smaller renovations
How much might you need?
| Typical situation | Illustrative amount |
|---|---|
| Appliance or small repair | $200 – $1,000 |
| Plumbing, HVAC or windows | $1,000 – $3,000 |
| Roof patch or bigger project | $3,000 – $5,000 |
Amounts are illustrative. Your actual offer depends on your state, income and credit profile.
Tips before you borrow
- Get multiple quotes from licensed, insured contractors.
- Never pay the full amount upfront — agree on milestones.
- Check whether your home insurance or warranty covers the damage.
- Keep receipts for tax or warranty purposes.
Borrow responsibly. Representative example: a $1,000 loan repaid over 12 monthly payments at 24.99% APR would have a monthly payment of about $95.04 and a total repayment of about $1,140.47. Only borrow what you can comfortably repay.
Frequently asked questions
Do I need to own my home?
No. Homeowners and renters can both apply — we assess your income and ability to repay, not property ownership.
Is there a lien on my house?
No. These are unsecured personal loans with no lien on your property.
Can I use it for a renovation?
Yes, for smaller projects up to $5,000. Larger renovations may need a different type of financing.