Home Improvement
Security Loans That Get Things Done
From fixing a leaky roof to remodeling a kitchen, home improvements add value and comfort to your life. A security finance home improvement loan — offering loans with security and no collateral — gets your project funded without requiring home equity or putting your property on the line.
Choose Your Amount
Select the range that fits your need. Our network matches you with lenders suited to your requested amount and profile.
Every Project Counts — Big or Small
Home improvement loans through Security Loans are unsecured personal installment loans — meaning no home equity, no lien on your property, and no risk to your house if your financial situation changes. You borrow a fixed amount, repay it over a fixed term, and the project gets done.
Common home improvement projects borrowers fund include: kitchen and bathroom renovations, roof repairs and replacements, HVAC system installation or replacement, flooring upgrades, window and door replacement, exterior painting and landscaping, deck or patio installation, plumbing and electrical work, and appliance upgrades.
Loan amounts from $1,000 to $5,000 suit most small-to-mid-size home projects well. If your project scope expands beyond $5,000, a home improvement loan can still fund the initial phase while you plan additional financing for later stages.
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Why Choose an Unsecured Home Loan Over HELOC
Home Equity Lines of Credit (HELOCs) and home equity loans require you to borrow against the value of your home — which means the lender can claim your property if you default. For smaller projects in the $1,000–$5,000 range, this level of risk is rarely justified.
A security finance home improvement loan carries no such collateral requirement. Your home is never pledged. While APRs on unsecured loans are typically higher than secured home equity products, the difference in total interest paid on a $3,000 loan over 24 months is often smaller than the closing costs of a HELOC.
For homeowners who don't have sufficient equity, who don't want to risk their property, or who simply want a faster and simpler process, an unsecured personal loan is often the more practical choice — especially for projects in our lending range.
🏡 Security loans near me: Our fully online process means any US homeowner can access competitive home improvement loan options without a local branch.
Get the Right Amount Before You Hire Anyone
Before applying, we recommend getting at least two written quotes from contractors for your project. This gives you a firm number to borrow against — preventing both over-borrowing (paying unnecessary interest) and under-borrowing (stalling mid-project due to budget shortfalls).
Once you know your project cost, use our loan calculator to compare monthly payment estimates across different loan amounts and terms. A $3,000 project financed over 24 months at 19.99% APR costs approximately $152 per month — a manageable addition to most household budgets.
Apply for your loan before you confirm a contractor start date. Funds typically arrive within one to two business days of acceptance, ensuring your contractor can begin on schedule without waiting for payment authorization.
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A Fixed Payment Until the Project Is Paid Off
One of the key advantages of a personal installment loan over a credit card for home improvements is the fixed repayment structure. Your monthly payment, interest rate, and payoff date are locked in at signing. There is no risk of your rate rising or your minimum payment creeping up over time.
If you choose to pay off your loan early — once the renovation is complete and you're back to normal spending — there are no prepayment penalties in our lending network. Every extra payment shortens your term and reduces total interest paid.
Many homeowners find that the combination of a completed project (which may increase home value) and a fixed, manageable loan payment is a net positive for their financial position within the first year of borrowing.
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