Home Improvement Loans Ohio

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Ohio Home Improvement Loans

With a home improvement loan, you can cover the expenses for the project – no matter the size or type of work you’re planning to complete. If you’re looking for a home improvement loan in Ohio, Acorn Finance can help. With a national network of top lenders, you can access personalized home improvement loan offers at Acorn Finance with just a little bit of personal information. Keep reading to learn more about home improvement loans in Ohio.

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How to Get a Home Improvement Loan in Ohio

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After your loan is approved, your funds should arrive within 1-2 business days2

Simple Home Improvement Financing for Ohio Homeowners

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Helping Homeowners Get Home Improvement Loans in Ohio

Your home is often the most significant investment you'll make in your lifetime. So, when it's time to upgrade your home, figuring out how to finance a home improvement project is a question homeowners frequently have. While there are several ways to get the financing you need, a home improvement loan is often an easy and accessible option for many.

Understanding Home Improvement Loans in Ohio: FAQs

Can you apply for a home improvement loan in Ohio?

Yes! Several banks and lending institutions offer home improvement loans, which fall under the personal loan category. The internet makes home improvement loans even more accessible. With such a competitive marketplace homeowners often find the best offers online.

While a private lending institution offers home improvement loans, some state-run programs have home improvement loans. These programs are from the Department of Housing and Urban Development and provide home improvement grants to low-income families, homes in rural areas, or veterans.

How do home improvement loans work in Ohio?

A home improvement loan is a personal loan that is secured with your personal financial information or creditworthiness, like income or credit. These loans can be used to obtain the money to cover the cost, material, labor, or other fees associated with a home improvement project.

This type of loan uses unsecured debt, meaning your home won't be used as collateral to pay for the loan. To get a home improvement loan in Ohio, you'll start by contacting a lender to see what amount you can qualify for and the amount of APR you'll pay in interest. Then, once you've found the right offer you can proceed with getting approved. Once approved you can get the money in a lump-sum payment quickly — sometimes within a day or two, although funding times can vary. If there's an origination fee, this may be deducted from the total lump sum deposited.

Once the loan is approved and the money is received, the borrower will begin paying the principal amount and any interest accrued on a monthly schedule. Your monthly payment will be dictated by factors like the borrower's credit score, the loan amount, and the repayment length. Generally, home improvement loans have a shorter term length than other home equity loan options.

What are the requirements for home improvement loans in Ohio?

To obtain the best rates for a home improvement loan in Ohio, borrowers should have good credit, defined as 670 or higher FICO score. If your credit is below that, don't rule out a home improvement loan — some lenders specifically offer options for borrowers with bad credit.

Besides a valid credit score, you'll also need to meet the following requirements:

  • At least 18 years of age
  • Be a U.S. citizen or permanent resident
  • Have steady income or assets
  • Have a valid bank account

Requirements can vary by lender, so make sure to shop around on Acorn Finance for the option that best suits your needs and qualifications.

Find Home Improvement Loans in Ohio at Acorn Finance

Finding the right home improvement loan can be a time consuming and difficult. At Acorn Finance, we have done our best to make the process for finding the right loan much easier. Check offers from our network of trusted lenders without an impact to your credit score! Many homeowners have lots of questions, so here are our common tips when it comes to searching for the right home improvement loans in Ohio.

More Information About Ohio Home Improvement Loans:

What can you use Ohio home improvement loans for?

You can use a home improvement loan in countless ways — whether a small project like landscaping or a significant renovation. Unlike other loan options, there are no requirements for how you use the loan.

Some typical projects include:

How much can you borrow with a home improvement loan?

The amount you can borrow with a home improvement loan will depend on your monthly budget and your credit score. Since your home's value is not considered, the amount borrowed depends on how much you can afford in monthly payments. Lenders usually have maximum loan amounts so if you need a certain amount, consider these before applying. For unsecured home improvement loans in Ohio, the maximum amount is usually $100,000. Some of Acorn Finance's lending partners can offer home improvement loan offers in Ohio up to $100,000, depending on credit score.

Areas Where We Help Connect Borrowers & Lenders for Home Improvement Loans

Are Ohio home improvement loans worth it?

Home improvement loans are a great way to upgrade your home and add equity in the process. Before getting a home improvement loan, consider how long you plan to stay in the house and the potential return on investment for your project. For example, updating the kitchen can get a high return on investment, while adding a pool doesn't net as much of a positive return.

If you plan on staying in your house for the next five years and have considered the value of the project, a home improvement loan could be a financially smart decision.

Home improvements are not always about ROI though. If an improvement can make your home more livable and improve quality of life, it can be well worth the investment. Consider your personal needs and circumstances, as well as the cost of the loan to determine if it's right for you.

How do you find the right Ohio home improvement loan?

With most financial institutions offering personal loans, it's recommended to shop around and find the best loan option for your budget and project. With Acorn Finance, you can shop and compare offers from top national lenders within 60 seconds or less with no credit impact.

Pros & Cons of Home Improvement Loans in Ohio:

There are some great advantages that come along with home improvement loans, but it's always a good idea to consider the drawback as well.


  • The home’s value isn’t considered: Unlike other home equity loans, a home improvement loan isn’t tied to the value of your home. This means that you can still obtain a home improvement loan even if you have little equity in your home or the project won’t increase your home’s value. This is also beneficial for those who are uncomfortable using their home as collateral for the loan.
  • Easily accessible: Obtaining a home improvement loan in Ohio is much quicker and easier than obtaining a home equity line of credit or completing a cash-out refinance. Plus, with most home improvement loans stretching from five to seven years, you can pay off the loan quicker than a home equity line of credit that could last decades in repayment length.
  • Options to shop around for the best rate: Since most banks and lending institutions offer personal loans, there are many options to shop around and find the best rate and loan terms for your budget.
  • Convenient and consistent monthly payments: When you obtain a home improvement loan, you’ll have an upfront and consistent schedule of monthly payments to repay the loan. By customizing the loan terms, you can ensure the amount paid each month fits into your budget.


  • Borrowers usually need good credit to qualify: While obtaining a home improvement loan is more accessible than other financing options, qualifying depends entirely on the borrower’s financial situation. This could prevent those with low credit or unstable income from qualifying for a home improvement loan.
  • Monthly payments could be higher: With a shorter repayment length, a home improvement loan might have higher monthly payments than a home equity line of credit, which can be repaid over a longer time.
  • Failing to repay the loan will decrease a borrower’s credit score: While your home isn’t used as collateral in a home improvement loan, there are severe repercussions to a borrower’s credit score if they fail to repay the loan. A decrease in credit score can cause problems obtaining future lending, and there could be legal action for not repaying it.
  • Paid in a lump sum: Home improvement loans are paid out as a lump sum, which could be a disadvantage depending on the type of project you’re looking to complete.
  • Taking on additional debt: Since home improvement loans are unsecured debt, you’ll have to repay the amount of the loan plus interest. This will add more expenses to your monthly budget, and cost additional money in the form of interest.

I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

The whole process itself was just so fluid, all the way through to the end. I was thinking it can't be this easy, but it really was!

Janina D.

Kentucky | HVAC

I am adding a hot tub and other patio enhancements to my house. My experience using Acorn Finance was excellent.

Tracey E.

Kentucky | Patios & Decks

I am extending my patio. My contractor informed me of possible financing and the Acorn Finance experience was awesome, very easy.

Monica L.

Texas | Patios & Decks

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