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Home Improvement Loans

Fund your home improvement goals with a personal loan

Check your rate with no impact to your credit score.

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Ways to use a home improvement personal loan

Renovate or remodel

From your dream kitchen to a home office, fund the space you want.

Cover home repairs

Whether you DIY or hire a pro, take on big projects with a personal loan.

Make a new addition

When life changes require more space, a personal loan can help.

Plan for green energy

Make your home more sustainable without financial stress.

Home improvement loan rates as low as 6.74%,

With predictable monthly payments and rates from 6.74% to 26.74% APR, you can find peace of mind on your journey.

Personal loan rates

Why choose Wells Fargo for a personal loan?

Customize your terms

Amounts from $3,000 to $100,000 and terms from 12 to 84 months.

Secure a great fixed rate

Rate discounts with auto pay from qualifying Wells Fargo accounts.

Skip the hidden fees

No origination fee, no closing fee, and no prepayment penalty.

Get a decision today

Same day credit decision for most customers who apply.

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Questions about personal loans

It's a kind of personal loan used to finance home improvements. You can use a home improvement loan to pay contractors or cover the costs of materials. Take on projects such as adding a room, remodeling the kitchen or bathroom, installing solar panels, landscaping the yard, making repairs to the roof, replacing floors or pipes, and much more.

They work just like other personal loans. There is no collateral required, meaning you don't have to sign over your home or other assets to secure the loan. The whole process can be completed in day(s) or even hours, where other financing might take longer. Plus, you'll have a fixed interest rate and monthly payment for the life of the loan.

The first step is to check your loan options. To see your rate and payment options with no impact to your credit score, click here. If you find a loan option you like, you can easily apply in minutes, and most customers get a same-day credit decision. If you're approved, you could have funds as early as the same day you sign for your loan, like 97% of our customers do. That means you can get started on your next home project without delay.

One of the main differences is that, with a personal loan, you don't need to provide collateral to secure the loan. That can make the application, approval, and funding processes much shorter — typically just a few days, if not hours. With a home equity loan, it can take weeks to evaluate your home, receive approval, and receive funds. And with a Wells Fargo person loan, there are no hidden fees — no origination or closing fees, and no prepayment penalty.

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Helpful resources

How can we help?

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 04/01/2025 to 06/30/2025. The rates shown are as of 07/07/2025 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from April – June 2025).

Late fees may still be assessed.

Representative example of repayment terms for an unsecured personal loan: For $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

‍ Equal Housing Lender