Home Improvement Loans1

If you can dream it, we can fund it

Improvements your whole family will love

From a custom kitchen to an inground pool, our home improvement loans can help you transform your space into an oasis you won’t want to leave.

Estimate your home improvement loan payment in as few as 30 seconds

See how affordable your renovations can be.
Please enter a value between $20,000 - $200,000
No application fees, commitment or impact on personal credit to estimate your payment.
Streamlined application

Upgrade your living space without headaches

You work hard—getting the funds you need to reinvent your place should be easy. We provide flexible home improvement loans fast, with no personal collateral requirements.
You work hard—getting the funds you need to reinvent your place should be easy. We provide flexible home improvement loans fast, with no personal collateral requirements.
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Industry-leading personal loan features
We provide a best-in-class lending experience that will meet your needs — and exceed your expectations.
  • Large loan amounts - up to $200,000*
  • Affordably low monthly payments
  • May be approved in as little as 24 hours*
  • Funding in as few as 5 days*
  • Premium service 7 days a week
  • No personal collateral required
  • No lockout period or prepayment penalty

A partner to help you turn possibility into reality

With 20 years of experience and real-life examples, you can be confident that we’ll provide you with the solution you need to complete even your largest projects.
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How to get your
home improvement loan

Streamlined Application

Get started online or
apply over the phone with
no cost or commitment.

Quick Approval

Submit minimal documentation
and you may be approved in
as little as 24 hours.*

Fast Funding

Review your terms and
receive your funds via
wire transfer in as few as 5 days.*

Let's find the right loan to fit your needs

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Understanding Home
Improvement Loans

  • How do I get a home improvement loan?

    To apply for a home improvement loan from BHG Money, follow these three steps:

    1. Estimate your payment in as few as 30 seconds

    2. Apply online or call our US-based team 7 days a week

    3. Get funded in as few as 5 days*

  • How do home improvement loans work?
    Once you apply and are approved for a home improvement loan, you will receive your funds. In our case, a home improvement loan is a type of personal loan solution, which offers a fixed repayment schedule and extended terms.* Our extended terms provide affordably low monthly payments that are easy to manage.
  • What type of loan is best for home improvements?

    When it comes to the best loan for home improvements, you have multiple financing options to choose from. These include:

    1. Estimate your payment in as few as 30 seconds
    2. Apply online or call our US-based team 7 days a week
    3. Get funded in as few as 5 days*

    Our personal loans provide up to $200,000* in as few as 5 days,* allowing you to complete even your largest projects. Unlike with home equity loans or HELOCs, you do not have to tap into your home’s equity with a personal loan.

  • Are home improvement loans tax deductible?
    Yes, a certain portion of a home improvement loan may be tax-deductible, namely the loan interest paid. However, you must meet certain requirements, including that the funds must be used to make significant improvements to your home and not for routine maintenance.

    We recommend that you consult your accountant for information related to tax deductions.
  • How does a home equity loan work for home improvements?

    A home equity loan works as follows:

    1. You borrow money against the equity that you currently have in your home.

    2. Depending on multiple factors including the value of your house and how much you have left to pay on your mortgage, you may be able to borrow between 80% and 90% of your home’s value, less your mortgage.

    3. Your loan is tied to an interest rate and are given monthly payments to pay back your loan.


    Home equity loans are secured loans, which means you put up your home as collateral. In the event you cannot pay back the loan, you could lose your home. Meanwhile, at BHG Money, our home improvement loans are unsecured personal loans, which allow you to borrow money to improve your home without providing any personal collateral.

  • Can you deduct interest on home improvement loans?

    Yes, the amount of loan interest you pay on a home improvement loan may be tax-deductible if you use the funds to make significant improvements to your home and meet all other applicable tax requirements. Consult your accountant for information related to tax deductions.


    • You borrow money against the equity that you currently have in your home.
    • Depending on multiple factors including the value of your house and how much you have left to pay on your mortgage, you may be able to borrow between 80% and 90% of your home’s value, less your mortgage.
    • You loan is tied to an interest rate and are given monthly payments to pay back your loan.
  • Can you get a home improvement loan for a pool?

    Yes. You can use a home improvement loan to pay for a pool. Our home improvement loans can be used to cover anything from minor renovations to major remodels and improvements. Here are some other projects you may consider with a home improvement loan:


    • Bathroom remodel
    • Custom kitchen
    • Roof replacement
    • New appliances
    • Foundation repair
    • Basement remodel
    • Home addition

View your estimate

No application fees, commitment, or impact on personal credit to estimate your payment.

Personal loans not currently available in Illinois or Maryland

*Terms subject to credit approval upon completion of application. Loan sizes, interest rates, and loan terms vary and are determined by applicant's credit profile. Finance amount may vary depending on your state of residence. Call for complete program details. For California Residents: Consumer and commercial loans made or arranged pursuant to a California Financing Law license - Number 603G493. Annual percentage rates (APRs) for BHG Money personal loans range from 10.49% to 29.99%, with terms from 3 to 10 years.

Personal Loan Repayment Example: A $59,755 personal loan with a 7-year term and an APR of 17.2% would require 84 monthly payments of $1,229.

1Loans funded by Pinnacle Bank, a Tennessee bank. Member FDIC. Equal Housing Lender.

IMPORTANT INFORMATION ABOUT ESTABLISHING A NEW CUSTOMER RELATIONSHIP

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.