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A Discover home improvement loan is quick and easy

Get financing to remodel or repair your home, or make energy-efficient updates with a green energy loan from Discover.

Customize your loan
Finance home projects with up to $35,000
Big project or small? Customize your loan to fit your project and your budget.
no collateral needed
Home remodeling loans with no collateral
Borrow money without using your home as collateral.
Funds sent fast
Get funds faster, start projects sooner

Funds can be sent as soon as the next business day after acceptance.

Big project or small? Customize your loan to fit your project and your budget.
Borrow money without using your home as collateral.

Funds can be sent as soon as the next business day after acceptance.

Need more than $35,000? Consider a Discover Home Loan.

Know your rate first—checking won't affect your credit score. Check Your Rate

Use your personal loan for home improvement expenses

Remodeling and renovating loans
Remodeling and renovating

Add value to your home with upgrades inside or out.

Home repairs and fixes loans
Home repairs and fixes

Finance unexpected repairs or cover maintenance projects.

Green energy loans
Green energy loans

Upgrade your home's efficiency and save on energy costs.

Estimate payments for a Discover personal loan

$ Choose between $2,500 and $35,000
Based on your selection of credit, we are unable to provide you with a payment example.

A minimum score of 660 is required to qualify for a Discover Personal Loan. You can read more about the importance of your credit history on our Resource Center.

Estimated monthly payment:

Estimated APR:

How did we calculate this result?
Your APR will be between 5.99% and 24.99% based up on creditworthiness at time of application.

Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates, and we do not guarantee the applicability or accuracy to your specific circumstance.

Find out if you prequalify today

See your actual rate. Checking won't affect your credit score.
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Common questions about home remodel loans

A personal loan is an unsecured loan, so you don't have to borrow against the value of your home. It's a quick and easy application process - most people get a decision the same day - and funds can be sent as soon as the next business day after acceptance. This is important if you have an unexpected repair and need to start your project right away.

A personal loan can cover any home-related cost, whether you want to make a cosmetic update or need to make necessary repairs. You can also use funds as a green energy loan to install solar panels or upgrade to energy-efficient appliances or systems.

 You can borrow up to $35,000 with a Discover personal loan. With home repairs, don't forget to include a contingency fund in your total renovation budget. You may need more than your estimate to cover unexpected costs that come up throughout your project. 

Need more than $35,000? A Discover home equity loan might be right for you.

See More FAQs

Explore more home repair loan articles, tools, and resources

Our Resource Center has expert information and tools to help as you budget and manage your home projects.

Discover home remodeling loan reviews

Read All Reviews

See how we calculate our ratings

We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.
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1-866-248-1255 Monday-Friday, 8 a.m.-11 p.m. ET Saturday-Sunday, 9 a.m.-6 p.m. ET
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Ready to check your rate?

See what your rate will be with a Discover personal loan. It’s quick, easy and won’t affect your credit score.

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Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history and application information meet all requirements. Loans are unsecured. Loans are fully amortizing personal loans as long as you pay on time.

You must have a minimum household income of $25,000 to be considered for a Discover personal loan. It cannot be used to pay for post-secondary education, to pay off a secured loan, or to directly pay off a Discover credit card.

Your APR will be between 5.99% and 24.99% based on creditworthiness at time of application for loan terms of 36-84 months. For example, if you get approved for a $15,000 loan at 6.99% APR for a term of 72 months, you'll pay just $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information and the term you select.

We may charge a fee if your payment is late.

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