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Home Improvement Loans in Houston

Get personalized rates in 60 seconds for home improvement loans in Houston, without affecting your credit score.

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Compare Houston Home Improvement Lenders, Rates & Options

We get it; home improvements involve a lot of research and decisions. To choose the best home improvement loan offer, you first need to determine what you can qualify for. At Acorn Finance, we can help simplify the process of getting prequalified. Start by submitting some personal information at Acorn to check rates in seconds with no credit score impact. Our network of top national lenders can offer home improvement loans up to $100,000, depending on your credit score. Take advantage of the convenience of comparing offers in one place without the worry of illegitimate online lenders—Trust Acorn to help you connect with top national lenders through our safe and secure platform.

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Helping Homeowners Get Home Improvement Loans in Houston

Houston, Texas, is attracting families from all over the United States. As new residents move in, home prices and availability become increasingly competitive. With more homeowners opting to improve their current home rather than battle the playing field for a new one, home improvement loans in Houston are in high demand. On the flip side, home improvement loans can also be used to improve a newly purchased home. Therefore, as you hunt for the perfect home, you can expand your options by including those that need some TLC. You may be wondering how a home improvement loan works for a newly purchased home that you might not have equity in. Some home improvement loans do not require collateral, such as equity in your home. Instead, they are based on the borrower’s creditworthiness. Understanding your options regarding home improvement loans can help you make better-educated decisions. Here’s what you should know about home improvement loans in Houston.

Home Improvement Loans in Houston: Frequently Asked Questions

Is getting a home improvement loan in Houston worth it?

Home improvement loans can help Houston homeowners get the funds they need for home improvements. However, loans usually come with interest and fees. Borrowers should consider the cost of the loan as part of their evaluation to determine if a home improvement loan is worth it. Furthermore, borrowers should consider the responsibility of repaying the loan and how this might affect their current budget. Home improvement loans can offer benefits such as fixed monthly payments, few spending restrictions, and no down payment or collateral requirement, but before committing, make sure the loan is worth it. 

How do you find the best home improvement loan in Houston?

From finding the best contractor to finding the best home improvement loan, you’re likely to be faced with plenty of decisions during your next home improvement project. While Acorn can help simplify the process of checking home improvement loan offers, there are some steps you can take to prepare. 

  1. Determine the cost of the desired project: By gathering estimates or researching what you'll need to finish your home improvement project, you can estimate the cost of your project. During this stage, you should consider potential obstacles or setbacks, too, as you may need extra cash to overcome them. Permits, trash rental, temporary living space, and other costs may need to be considered in your estimate. 
  2. Define your budget: Once you’ve estimated what the project will cost, you can review your personal finances. How much cash do you have to put toward the project, if any? How much do you need to borrow? How much can you afford to pay, and at what frequency (i.e. monthly, bi-weekly)? 
  3. Check your credit score: As you get closer to shopping loan offers, it can help to check your credit score if you have not done so in a while. Some credit monitoring services offer tips on boosting your credit score. By taking action to boost your credit score, you can position yourself better. Lenders like to see qualified applicants.
  4. Compare home improvement loan offers: When you’re ready, check home improvement loan offers. To check unsecured home improvement loan offers with no credit score impact, visit Acorn Finance. To check offers for secured loans or a line of credit, you can shop online or visit local banks or credit unions.

Houston Home Improvement Loan Calculator


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What can I do with a $20,000 personal loan?

A $20,000 personal loan has a number of uses, including (but not limited to):
Home improvement Buying a car Wedding costs
Debt consolidation Medical bills Startup business costs

Still have questions?

Find Houston Home Improvement Loans 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 Houston.

Which Acorn Finance lending partners are best for home improvement loans?


Acorn Finance provides consumers with a platform to check rates for home improvement loan offers. We make this possible by sourcing and partnering with hand-selected lending partners. Our network of top national lending partners features reputable lenders such as LightStream, LendingPoint, Prosper, LendingUSA, OneMain Financial, and more. At Acorn, we seek out lenders specializing in home improvement loans that are not backed by collateral, otherwise known as unsecured personal loans. While some of our lending partners can offer other lending products, at Acorn Finance, you can check rates for home improvement loans. This is the first step toward determining which lending partner best meets your needs. Check offers in seconds with no credit impact and get to work on your home improvement project faster. 

How much can you borrow with a home improvement loan?


The amount you qualify for can depend on your qualifications as well as what the lender can offer. Most lenders have maximum loan amounts, and while not all applicants are eligible for the highest loan amount, lenders typically cannot exceed this amount. The highest loan amount for unsecured home improvement loans is $100,000, but maximum loan amounts can vary by lender. For more expensive home improvement projects, it may be best to consider a secured loan or line of credit. At Acorn, consumers can check home improvement loan offers up to $100,000, depending on credit score. 

What should you know before getting a home improvement loan in Houston?


Before getting a home improvement loan in Houston, you should check your credit score and have a realistic idea of the project's cost. When exploring offers, you should be aware of the different components in which offers can vary. 

  • Origination fees: Also known as an upfront fee, origination fees can be charged by a lender to process a new loan. Origination fees are generally calculated as a percentage of the total loan amount. 
  • Fixed APR: Most home improvement loans have fixed APR, but some can have variable APR. Loans with fixed APR offer borrowers a consistent fixed payment. 
  • No early repayment penalties: Some lenders charge repayment penalties. Our lending partners do not charge repayment penalties. This gives borrowers the opportunity to pay off their loan early to save money on interest and potentially other fees, too. As a result of paying off the loan, your credit score may increase.
  • Funding options and speed: At Acorn Finance, our lending partners can fund loans in as little as 1-2 business days, although funding times may vary. Fast funding can be a reflection of a streamlined process and a lender that’s using advanced technology. 
  • Borrower perks: Some lenders offer perks for borrowers, such as credit monitoring services or auto payment discounts. Additionally, some lenders offer convenient smartphone apps and online portals to manage accounts. Review the lender and what they can offer as part of your decision about who is best.
  • Support: While you may be asking to borrow money, you’re still a customer. Read customer reviews and notice how the lender makes customers feel. You will be doing business with the lender you choose, and therefore, you want a lender that’s easy to work with and delivers top-notch customer service. 
  • APR: Focusing on total loan costs is a more accurate representation of the cost of the loan compared to the monthly payment. 

Does Houston have home improvement requirements or restrictions?


Before making home improvements, you should check with the local government to verify any requirements or restrictions. In most cases, interior cosmetic improvements such as countertops, painting, and cabinets do not require a permit. However, new construction or major renovations usually require permits. 

What are the most common home improvement projects in Houston?


Houston homeowners are known for being a DIY crowd. Whether you enlist professional help or DIY your next home improvement project, you can use a home improvement loan to fund the project. Some common home improvement projects in Houston include the following. 

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One home, endless possibilities


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