Personal loans
Customized financing to consolidate high-interest debt and unlock financial flexibility.
Customized financing to consolidate high-interest debt or fund major purchases or expenses.
About BHG
Programs
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 | Home improvement loans |
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Finance major renovations and large home projects
Make the upgrades you've been dreaming of, without using savings or home equity.
How much are you looking to borrow?
This won't impact your credit score!2
 REALIZE YOUR VISION |
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 | LOAN AMOUNTS UP TO |
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What is a home improvement loan?
What is a home improvement loan?
Renovate now
Funding in as few as five days3, so you can start your project sooner.
Pay over time
Predictable monthly payments with a fixed rate keep planning simple.
No collateral required
Your home isn't at risk. Unsecured financing means no lien on your property.
Customer stories
See why homeowners used BHG Financial to bring their renovation plans to life.
Tailored Guidance
“Great communication and explanations on all our questions along with process.”
Sarah Niese via Trustpilot
March 17, 2026
Effortless financing
“I've been through many loan processes and this was by far the easiest I've ever completed.”
Travis Matthews via Trustpilot
March 11, 2026
QUICK AND EASY
“I secured financing for a major home improvement project in less than a week.”
Xiomara Terrelonge via Trustpilot
February 24, 2026
Home improvement projects you can finance
Bring your full vision to life with financing built for bigger plans
Whether it’s one big project or multiple upgrades, fund it all with one affordable loan.
Home improvement projects you can finance
Bring your full vision to life with financing built for bigger plans
Whether it’s one big project or multiple upgrades, fund it all with one affordable loan.
Why choose a home improvement loan?
Built for homeowners who want clarity, speed, and control over large home projects.
Why choose a home improvement loan?
Built for homeowners who want clarity, speed, and control over large home projects.
Higher loan amounts
Access up to $250,0001 for large-scale renovations, room additions, and major home upgrades that can increase your property value.
No collateral required
Unlike home equity financing, you won't need to put your home up as collateral. Your home remains protected throughout the loan term.
Fixed interest rates
Enjoy the security of a fixed interest rate that never changes. Monthly payments stay consistent and predictable over the life of the loan.
Fast funding
Get quick access to your funds, typically within a few business days of approval3, so you can start your project without delay.
Flexible terms
Choose a term that works for your budget and financial goals. Repayment options up to 10 years1,4 help keep monthly payments manageable for larger projects.
Increase home value
Finance projects that enhance your home’s functionality and may boost its market value, anything from expanding square footage to premium upgrades.
How to apply for a home improvement loan
A streamlined process designed for busy professionals.
How to apply for a home improvement loan
A streamlined process designed for busy professionals.
 | Check your eligibility Complete our simple online application for personal loan offers. This won’t impact your credit score.2 |
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 | View your options Review personalized loan options and select the amount and term that fit your budget. |
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 | Get funds fast If approved, you’ll receive your funds in one lump sum in as few as 5 days.3 |
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| Check your eligibility Complete our simple online application for personal loan offers. This won’t impact your credit score.2 |
|---|
| View your options Review personalized loan options and select the amount and term that fit your budget. |
|---|
| Get funds fast If approved, you’ll receive your funds in one lump sum in as few as 5 days.3 |
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Home Improvement
Eligibility Requirements
640+ credit score
Verifiable income
U.S. legal resident
HOME IMPROVEMENT
ELIGIBILITY REQUIREMENTS
640+ credit score
Verifiable income
U.S. legal resident
Compare home improvement financing options
Compare home improvement financing options
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HELOC |
Home equity loan |
Credit cards |
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Collateral required |
No |
Yes |
Yes |
No |
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Rate type |
Fixed |
Variable |
Fixed |
Variable |
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Funding speed |
As few as 5 days3 |
A few weeks |
A few weeks |
Immediate |
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Best for |
Major renovations with fast funding, fixed payments, and no collateral |
Long-term projects if you're comfortable using your home as collateral and taking on a variable rate |
Large, fixed-cost projects if you’re willing to use your home as collateral |
Small purchases you can repay quickly to avoid high interest |
Know before you borrow
Home improvement
loan FAQs
Learn more about financing a major home project.
No, you do not need home equity to qualify. Personal loans for home improvements are separate unsecured loans, meaning they are not tied to the value of your home and your home is not used as collateral.
A home equity line of credit (HELOC) is a loan which allows you to draw from the existing equity of your home as cash to finance things like large home renovations. A cash-out refinance involves refinancing your mortgage for more than the principal and converting the extra amount to cash, typically to finance home improvements or renovations.
Each loan option for home improvements has advantages and disadvantages, depending on your needs and financial situation.
At BHG Financial, our Home Improvement Loans are not secured against personal collateral.
Personal loans for home improvement can cover a range of projects from small enhancements to major home renovations. These Home Improvement Loans are investments to potentially increase the value of a home. If a homeowner doesn’t have cash to fund these home repairs or renovations, then using a personal loan for home improvements could be a viable option to improve their property value.
Some projects you may consider with a Home Improvement Loan could be:
- Bathroom model
- Custom kitchen remodel
- Basement remodel
- Home addition
At BHG Financial, our Home Improvement Loans are affordable with loans up to $250,0001 and extended repayment terms up to 10 years.1,4
Credit cards typically have high interest rates and are variable. Home Improvement Loan rates tend to be lower, making monthly payments more affordable and saving you money on interest accrual over the lifetime of the debt.
Once your terms are agreed upon, funds will be available in as few as 5 days.3
Applying for a Home Improvement Loan will require meeting your lender’s criteria. Since most Home Improvement Loans are unsecured, this criterion assures the lender that you can repay the loan. Lenders will typically evaluate your credit score, income, and debt-to-income ratio, among other factors.
A home improvement loan is ideal if you don't want to risk your home as collateral, don't have much home equity built up yet, or have strong enough credit to qualify for a competitive interest rate.
BHG Financial’s home improvement personal loan is an unsecured loan. This means that it is not tied to your home and you do not need to provide collateral for the loan.
Know before you borrow
Home improvement
loan FAQs
Learn more about financing a major home project.
Applying for a Home Improvement Loan with BHG Financial is as easy as 1-2-3.
- Fill out an online application in minutes or call us directly to speak to a loan specialist.
- We'll gather the necessary documentation for you, which may include income verification documents such as tax returns and bank statements. If anything else is needed to process your application, we’ll reach out to work with you.
- After we’ve received all the necessary information and documents, our team will review your qualifications and notify you promptly regarding approval.
No, you do not need home equity to qualify. Personal loans for home improvements are separate unsecured loans, meaning they are not tied to the value of your home and your home is not used as collateral.
A home equity line of credit (HELOC) is a loan which allows you to draw from the existing equity of your home as cash to finance things like large home renovations. A cash-out refinance involves refinancing your mortgage for more than the principal and converting the extra amount to cash, typically to finance home improvements or renovations.
Each loan option for home improvements has advantages and disadvantages, depending on your needs and financial situation.
At BHG Financial, our Home Improvement Loans are not secured against personal collateral.
Personal loans for home improvement can cover a range of projects from small enhancements to major home renovations. These Home Improvement Loans are investments to potentially increase the value of a home. If a homeowner doesn’t have cash to fund these home repairs or renovations, then using a personal loan for home improvements could be a viable option to improve their property value.
Some projects you may consider with a Home Improvement Loan could be:
- Bathroom model
- Custom kitchen remodel
- Basement remodel
- Home addition
At BHG Financial, our Home Improvement Loans are affordable with loans up to $250,0001 and extended repayment terms up to 10 years.1,4
Credit cards typically have high interest rates and are variable. Home Improvement Loan rates tend to be lower, making monthly payments more affordable and saving you money on interest accrual over the lifetime of the debt.
Once your terms are agreed upon, funds will be available in as few as 5 days.3
Applying for a Home Improvement Loan will require meeting your lender’s criteria. Since most Home Improvement Loans are unsecured, this criterion assures the lender that you can repay the loan. Lenders will typically evaluate your credit score, income, and debt-to-income ratio, among other factors.
A home improvement loan is ideal if you don't want to risk your home as collateral, don't have much home equity built up yet, or have strong enough credit to qualify for a competitive interest rate.
BHG Financial’s home improvement personal loan is an unsecured loan. This means that it is not tied to your home and you do not need to provide collateral for the loan.
Home improvement articles
-
Home Improvement5 Ways to Finance Your Home ImprovementsApril 04, 2022 | 5 min read -
Home ImprovementHow Home Improvement Loans Over $100K Work: Types, Requirements, ProcessMay 12, 2026 | 6 min read -
Home ImprovementPool Loans: Learn About Everything from Taxes to Property ValuesApril 04, 2022 | 5 min read -
Home ImprovementWhat is Landscaping & How to Finance It?October 10, 2024 | 5 min read -
Home ImprovementThe Definitive BHG Financial Guide to Funding a Large Home RemodelApril 07, 2026 | 11 min read -
Home ImprovementKitchen Remodel Financing: Options, Budgeting, and Cost ManagementApril 23, 2026 | 11 min read
Check your rate and get started
See if you’re eligible in seconds3 with no impact to your credit score.2 Start your home improvement journey today.
Not all solutions, loan amounts, rates or terms are available in all states.
1 Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile.
2 There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.
3 This is not a guaranteed offer of credit and is subject to credit approval.
4 Personal Loan Repayment Example: A $60,000 personal loan with a 7-year term and an APR of 17.06% would require 84 monthly payments of $1,191.38.
No application fees, commitment, or impact on personal credit to estimate your payment.
Annual percentage rates (APRs) for personal loans range from 6.49% to 28.89%, with terms from 2 to 10 years.
Consumer loans funded by Pinnacle Bank, a Tennessee bank, or County Bank. Equal Housing Lenders. 
For California Residents: Personal loans made or arranged pursuant to a California Financing Law license - Number 603G493.
Testimonial(s) based on unique customer experience. Individual customer experiences may vary.
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.