Loans for home upgrades

Upgrade your home with flexible financing

Get the funds you need to renovate, repair, or refresh your home and pay over time with predictable monthly payments.

Check your offers
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A home upgrades loan can help you renovate sooner, manage costs, and invest in your home’s comfort and value so you can bring your plans to life earlier.

Start your home project sooner

Don’t delay necessary repairs or upgrades and get funding when you need it.

Fixed monthly payments

Know exactly what you’ll pay each month with a set repayment schedule.

Cover a wide range of projects

From small updates to larger renovations, one loan can support multiple home needs.

Flexible use of funds

Use your loan for materials, labor, or contractor costs.

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Renovate, repair, and refresh your space

From essential home fixes to full room projects, use your loan to cover expenses such as:

  • Kitchen updates
  • Bathroom renovations
  • Home repairs
  • Interior upgrades
  • Outdoor improvements
  • Energy efficiency upgrades

From “hello” to funded in 3 steps

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01

Start your prequalification

Check your offers online in minutes without affecting your credit score. Quick, easy, and with no commitment.

02

Review and customize loan

If prequalified, explore your personalized loan offers and choose the amount, term, and monthly payment that fits your needs.

03

Get your funds

Provide the required documents and if approved, receive your funds quickly and use your loan for whatever matters most.

Check your offers

Checking for offers will not impact your credit score.

From “hello” to funded in 3 steps

iphone
amountmagnifypayment
holdingheart
01

Start your prequalification

Check your offers online in minutes without affecting your credit score. Quick, easy, and with no commitment.

02

Review and customize loan

If prequalified, explore your personalized loan offers and choose the amount, term, and monthly payment that fits your needs.

03

Get your funds

Provide the required documents and if approved, receive your funds quickly and use your loan for whatever matters most.

Checking for offers will not impact your credit score.

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A more personal approach to borrowing

Simple borrowing experience

From prequalification to approval, we make borrowing transparent and convenient.

A broader financial view

We look beyond your credit score to understand your income, budget, and overall financial story.

Local branch support

Talk through your goals with a local specialist who can help identify solutions that fit your situation.

Frequently asked question

  • Seeing if you prequalify for a loan will not affect your credit score. Applying for a personal loan can affect your credit score, but typically only for a short period of time. Credit scores are determined using several factors.

  • It only takes 5 minutes to prequalify online. If you are prequalified, you can reach out to your local branch OR your local branch will call you within 24-48 hours. As soon as you bring the required documents to the branch and sign your loan documents – you can receive your check that day!

  • At Regional Finance, we offer loans up to $45,000.* You can prequalify for a loan up to $12,000 online without impacting your credit score.

    *Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle that meets our requirements. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards.

  • Federal law requires us to obtain, verify, and record information that identifies each person who opens an account with us. Your assistance in providing us with this information helps us to not only process your application quickly, but also to protect you from the danger of identity theft.

    Before we can complete your loan, Regional Finance will need you to provide the following documents:

    • A copy of a valid, government-issued photo ID (e.g. driver’s license, state ID card, or passport)
    • Proof of residence (e.g. a utility bill, or a signed lease)
    • Proof of income (e.g. paystubs or tax returns)

    Additional documents may be needed, depending on the loan for which you qualify

  • Prequalification for personal loans lasts 30 days. That is why it’s important to make decisions regarding your personal loan quickly. If you have any questions, our team members are standing by and are happy to assist you during your loan approval process.

Take the next step toward your next home project.

Check your offers

Checking for offers will not impact your credit score.

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