What is a Home Improvement Loan?

A home improvement loan is a personal loan that you can use to improve, repair, and maintain your residence.

A home is the largest investment that most people make. As such, fixing up your house can often be a good decision. Plus, a well-maintained house is less likely to need costly repairs.

If you’re ready to start the lengthy process of home improvement sooner rather than later, a home improvement loan is a good option to consider.

How to Get a Home Improvement Loan

Prequalifying for a home loan is simple.


Fill out a pre-qualification request (this won't affect your credit score) or visit your local branch.


Verify your information during the online application process. Make sure everything is accurate!


Sign loan documents and get your money. If approved, you will receive your funds the same day in the form of a paper check. 2

Get Pre-Qualified

Why Get a Home Improvement Loan from Republic Finance?


Simply fill out an online pre-qualification form and we’ll be in touch shortly!


Got a moment? You can pre-quailfy in minutes with no impact on your credit score.


Our customers love us. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year.

How Do Home Improvement Loans Work?

Home improvement loans work by providing funds to qualified applicants to go towards home improvements or repairs. The loans can be paid back in monthly installments.

You can get started with a pre-qualification screening. The process is fast, can be completed online, and doesn’t affect your credit score.

Shortly after, if you apply and qualify, you’ll be well on your way to getting a loan pending a full review.

Home Improvement Loans for Your Level of Credit

We’ll look at your full financial situation when considering your loan, not just the credit check.

If you’re unsure if you might qualify, don’t worry; you can use our prequalification tool to see what offers are available to you; click the button below to access the tool. This won’t even affect your credit score.

Get Pre-Qualified

Types of Home Improvement Loans

There are two types of home improvement loans from Republic Finance: secured and unsecured.

To apply for a secured loan, you would need to provide some form of collateral, such as personal property or an automobile. Secured loans are beneficial because you can sometimes qualify for a larger loan amount.

An unsecured loan, on the other hand, requires no collateral. Both types of loans are popular for homeowners!

Looking for a Republic Finance Branch Near You?

Find a Location

1. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (“APR”) and a 60-month term, your payments would be $226.47 per month. This example is based on an average customer with good credit. APRs will not exceed 35.99%. Loan terms (e.g., rates, origination fees and max. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Optional voluntary products are available for purchase with any secured loan extended, based on qualifying factors. Not all consumers will qualify. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance’s website. Secured loan applications and closings must be completed with a branch employee, and not on our website. Secured loans will have collateral and insurance requirements. The purchase of any required insurance from Republic Finance is optional. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. Current customers: some current customers may not be eligible for a loan refinance. All refinance applications and closings must be completed with a branch employee, and not on our website.
2. If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. When closing a loan in a physical Republic Finance office location, you will receive your funds the same day in the form of a paper check.

Note: Insurance products offered by Republic Finance vary by your state of residence. For more information, contact or visit your local Republic Finance branch.