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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.
Home improvements may be easier with a personal loan
With a home improvement loan from Wells Fargo, borrowers are able to complete their home renovation project with a fixed-interest rate personal loan. We offer loan term options that let homeowners pick the loan option that's right for them.
Funds for your project
Cover a variety of projects, including home repairs, kitchen remodeling, bathroom remodeling, HVAC replacement, solar panels, landscaping, and other home renovations.
Get rates and funds quickly
You can check your rates in minutes — with no impact on your credit. And if you apply and are approved, your funds could be ready as early as the same business day.
Borrow on your own terms
Customize your loan to fit your needs, with a term between 12 and 84 months and a loan amount from $3,000 to $100,000. You'll get a competitive fixed interest rate, a fixed monthly payment, and no hidden fees.
No collateral needed
Don't be limited by the amount of equity in your home. With an unsecured home improvement loan, borrow funds without using your home as collateral.
Repay a personal loan in terms of 12-84 months. Rates range from 6.99% to 24.49% Annual Percentage Rate (APR), which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. 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.
Helpful answers to common questions
What is a home improvement loan?
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.
How do home improvement loans work?
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.
How do I get a home improvement 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 98% of our customers do. That means you can get started on your next home project without delay.
What is the difference between a personal loan for home improvements and a home equity loan?
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.
