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Home Improvement Loans

What can I use a Home Improvement Personal Loan for?

A Home Improvement Personal Loan lets you cover expenses for any project you have for your home. No matter how big or small of a project, a Home Improvement Personal Loan can help you fix up every inch of your home with your personal touch.


Here are some examples of how you can use your Home Improvement Personal Loan:


  • You need to put a new roof on your home
  • You want to purchase new furniture
  • You want to update a room in your home
  • You want to build a new garage
  • You want to add rooms onto your home


Is a Home Improvement Personal Loan the right option for me?

If there is a particular part of your home that needs a little TLC but you don't have the money to pay for the project in a lump sum, a Home Improvement Personal Loan will help you enjoy your new update now rather than when you save for the entire expense of the project. Better yet, you can enjoy your home's facelift with a single, automated monthly payment.



How does the Home Improvement Personal Loan process work?

Learn more about our process.



What are the benefits of a Home Improvement Personal Loan with Rocket Loans?

  • Quick and easy online application
  • Money directly deposited
  • Simple payment options
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Won't affect your credit score.

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1Based on Rocket Mortgage data in comparison to public data records.

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All loans are made by Cross River Bank, a New Jersey state chartered commercial bank, Member FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed. Please refer to our Disclosures and Licenses page for state-required disclosures, licenses, and lending restrictions.
Qualified clients using Rocket Loans will see loan options for a 36 or 60 month term, and APR ranges from a minimum of 9.116% (rate with autopay discount) to a maximum of 29.99% (rate without autopay discount) depending upon their credit profile. An origination fee of up to 8% is charged for each loan. This fee is deducted from the balance before funds are disbursed to the client. For example, a 5 year $10,000 loan with a 10.5% interest rate and a 2.99% ($299) origination fee would have 60 scheduled monthly payments of $214.94 for an APR of 11.855% (rates assume autopay discount). Borrower must be a U.S. citizen or permanent U.S. resident at least 18 years of age. All loan applications are subject to credit review and approval and offered loan terms depend upon credit score, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate. To qualify for the lowest rate, you must have excellent credit, meet certain conditions, and select autopay. Rates and Terms are subject to change at any time without notice.
Ohio Residents: All loans to Ohio residents must be greater than $5,001. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Married applicants may apply for a separate account.
Same Day Funding available for clients completing the loan process and signing the Promissory Note by 1:00PM ET on a business day. Also note, the ACH credit will be submitted to your bank the same business day. This may result in same day funding, but results may vary and your bank may have rules that limit our ability to credit your account. We are not responsible for delays which may occur due to incorrect routing number, account number, or errors of your financial institution.
Please refer to our Terms of Use for additional terms and conditions, and to Rocket Loans' Privacy Notice and Cross River's Privacy Notice to learn more about what we do with your personal information. For California residents, please see the California Financial Privacy Opt-Out Form .
NMLS #1399530. Go here for Rocket Loans' NMLS consumer access page.

Rocket Mortgage, LLC, Rocket Homes Real Estate LLC, RockLoans Marketplace LLC (doing business as Rocket Loans) and Rocket Auto LLC are separate operating subsidiaries of Rocket Companies, Inc. (NYSE: RKT). Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation and applicable legal and regulatory requirements.


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