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Homeowners!

Get the funds you need for any home improvement project.

Improvifi connects contractors and homeowners with the widest range of lending solutions in the market with more no dealer fee programs than any lender in the nation.

Easy Apply

Soft Credit Approvals

No Prepayment Penalties

Fund Your Project Fast in 3 Ways

Compare all three with one soft credit check.

Secured Loans

Secured Loans

Best for Large Projects
  • WHY CHOOSE THIS:
    Lowest possible monthly payments.
  • TERMS:
    Longer terms (up to 20 or 30 years).
  • PROJECTS:
    Roofs, Additions, Solar, Major Renovations.
  • HOW IT WORKS:
    Uses property as collateral for higher approval confidence.
Personal Loans

Personal Loans

Best for Flexibility
  • WHY CHOOSE THIS:
    Maximum flexibility for tricky situations.
  • SPEED:
    Quick solution with simple fixed terms.
  • APPROVALS:
    Often approves credit profiles that banks turn away.
  • PROJECTS:
    Emergency repairs or challenging credit.
Unsecured Loans

Unsecured Loans

Best for Medium Projects
  • WHY CHOOSE THIS:
    Fast approvals & fixed terms.
  • REQUIREMENT:
    Zero collateral required.
  • CAPACITY:
    Projects from $1,000 to $100,000.
  • PROJECTS:
    Windows, HVAC, Fencing, Flooring.
Check My Rates

Funding Power

Estimate Your Monthly Payment

$5k $400k
$195,000

Estimate Monthly Payment

$2,254.08/mo*

*Rough example at 6.9% APR for illustration only. Rates vary by credit profile.

Get This Rate

Do You Need A Trusted & Vetted Contractor For Your Project?

Financing is only half the battle. Getting the job done right is the rest. We’ve vetted thousands of pros so you don’t have to.

Home improvement shouldn’t be a gamble. Choose a partner that protects your home and your wallet.

Find A Certified Contractor
Improvifi Certified Contractor

The Improvifi Certified Standard™

  • Verified Business

    Registered, active, and legitimate entities only.

  • Fully Licensed

    Valid state and local licensing confirmed.

  • Insured for Safety

    General Liability and Worker’s Comp verified.

  • Financially Vetted

    Solvency checks to ensure project completion.

  • Background Checked

    No outstanding judgments or legal issues.

  • Ethical Standards

    Committed to transparent, consumer-first practices.

From Application to Installation
in 3 Simple Steps

Easy Apply

1. Easy Apply

Fill out our secure, mobile-friendly form. Tell us your project need and zip code to get started.

The Options

2. The Options

Receive personalized loan links instantly. Choose from Personal, Secured, or Unsecured options.

The Connection

3. The Connection

Once funded, we connect you with an Improvifi Certified Contractor to get the work started.

Frequently Asked Questions

Will checking my rates hurt my credit?

No. We use a “soft credit check” technology. This allows you to review your loan options and real terms with zero impact to your credit score. A hard inquiry is only performed if you choose to proceed with a specific loan offer.

What projects can I finance?

Almost anything related to your home. Our homeowners commonly use funds for roofing, HVAC replacement, windows & doors, pools, basement finishing, fencing, and even emergency repairs like plumbing or electrical work.

What if I have a bad credit?

Don’t worry. Our Personal Loan options are specifically designed to offer approvals for credit profiles that traditional banks often turn away. We compare multiple lenders to find a path to “Yes” for you.

How fast is the funding?

Speed is our priority. Most homeowners see estimated terms in minutes after submitting the simple form, and can move to funding shortly after approval. In many cases, funds are available in as little as 24-48 hours.

Have more questions?

Contact Our Team