Home / Home Improvement Loans

Transform Your Home with a Home Improvement Loan

**Applying will not impact your credit score.

Why Choose 800financial For Your Home Improvement Loan?

Experience the freedom and flexibility of 800Financial’s home improvement loans, designed to help you create the home of your dreams.

Comprehensive Financial Assessment

800Financial looks beyond traditional credit scores, considering factors like your home equity, renovation plans, and employment status to offer personalized rates tailored to your unique situation.

Tailored Loan Amounts

800Financial provides loan amounts ranging from $5,000 to $100,000, accommodating a wide range of home improvement projects, whether big or small.

Steady Rates and Flexible Terms

Choose from 3-year, 5-year, or 7-year terms, with competitive interest rates between 5.5% and 29.99% APR. Enjoy predictable payments and the peace of mind that comes with fixed rates.

No Prepayment Penalties

Take control of your home improvement project by paying off your loan early without incurring any additional costs or penalties. Save on interest and finish your renovations on your terms.

Explore Your Options in 3 Easy Steps

Secure and Easy Application

Submit your basic information through our safe and secured form. Share the best time for us to reach out, ensuring our loan specialists connect with you when it’s convenient.

Tailored Financial Consultation

Discuss your financial goals with a loan specialist. Explore available loan products, terms, and rates. If you qualify, proceed with the application process for approval.

Quick Loan Decision

Receive your loan approval decision swiftly. If approved, 99% of funds are transferred directly to your account within 1 business day. Start your journey to financial freedom today!

What Customers Say About Us

“Frank put me at ease the moment we started a conversation. He thoroughly explained every detail, answered all my questions, some of which were pretty silly, but never changed his calming tone of voice. I hope I have a friend for a very long time. Please try and speak with him should you need to call.”

- Gillian Campbell

“Our loan coach Jamie was outstanding. Made sure we understand how the program works. Jamie held our hand from beginning to end making sure we were knowledgeable about every step we told to get to the loan”

- George Saldana

“Robert S. at 800finanical was very pleasant, patient, and straightforward. Thank you, Robert!”

- Elizabeth Larson

Frequently Asked Questions (Home Improvement Loan)

We’ve answered a few FAQs to get you started. But please don’t hesitate to reach out with more.

What can I use a home improvement loan for?

Home improvement loans can be used for a wide variety of projects, including kitchen remodels, bathroom upgrades, roof repairs, new flooring, landscaping, and room additions. Essentially, you can use the loan for any renovation or improvement that enhances your home’s value and functionality.

How do I apply for a home improvement loan?

Applying for a home improvement loan is simple and straightforward. Fill out our online application form with your personal and financial details. Our team will review your application and provide a decision within a few business days. Once approved, you’ll receive the funds directly to your account.

How much can I borrow with a home improvement loan?

800Financial offers flexible loan amounts ranging from $5,000 to $100,000, accommodating a variety of home improvement projects. The exact amount you can borrow will depend on your financial situation and the scope of your project.

What are the interest rates and repayment terms?

We offer competitive interest rates between 5.5% and 29.99% APR, depending on your credit profile and loan terms. You can choose from 3-year, 5-year, or 7-year repayment terms, allowing you to select a plan that fits your budget and timeline.

Can I qualify for a home improvement loan with bad credit?

Yes, we consider various factors beyond your credit score to determine your eligibility. While a higher credit score may help you secure better rates, we aim to provide loan options for a wide range of credit profiles.

Are there any fees or penalties associated with home improvement loans?

800Financial prides itself on transparent terms with no hidden fees. You can also pay off your loan early without any prepayment penalties, allowing you to save on interest and complete your project sooner.