Home Improvement Loans in Seattle

Our network of lending partners can help consumers receive home improvement loan offers. While unsecured home improvement loan offers are usually just installment loans or personal loans, you’ll want a lender that understands the needs of a homeowner. From higher loan amounts to few spending restrictions, our lending partners cater to the needs of homeowners. Explore offers and choose the one that’s best for you and your next home improvement project.

To find out how much you can borrow, you’ll need to get pre-qualified. Home improvement loans that don’t require collateral (unsecured) may have lower limits than home improvement loans that require collateral (secured). At Acorn Finance, you can check unsecured home improvement loan offers up to $100,000, depending on your credit score. 

Here are some other things you should know before getting a home improvement loan in Seattle:

1. Requirements can vary by lender. Just because you don’t qualify or get the offer you desire from one lender does not mean you can’t find what you’re looking for with another. 
2. Estimating project costs before applying for a loan can be helpful. When applying for a loan, you’ll need to request a loan amount. It can be helpful only to apply and borrow what you need. 
3. You can get prequalified without impacting your credit score. At Acorn Finance, you can check rates from top national lenders with no credit score impact or commitment. 
4. Some home improvement loans do not require collateral. Unsecured home improvement loans do not require collateral, but secured home improvement loans do require collateral. 

Projects, such as additions or major remodels, may require a permit. From city or county regulations to local HOA regulations, there may be restrictions. Consult a licensed contractor and or local government or HOA to determine what restrictions or requirements might apply specifically to your project based on where you live. 

When determining which projects to prioritize, you may look at two things: what you need and what yields the best return on investment. 

If you’re looking to make home improvements to boost home value and overall aesthetic, here are a few home improvements to consider.

• Garage door replacement: On the cheaper end of home improvement projects, a simple garage door replacement is a high-ROI project in Seattle. 
• Minor kitchen remodel: Kitchen remodels can be expensive, but tearing things apart does not always pay off in the end. A minor kitchen remodel can yield a generous ROI in the Seattle market. However, even a minor kitchen remodel can seem pricey, so you may need financing. If you plan to live in the home for years to come, you may want to splurge on the remodel more. Again, consider your needs. 

If you need to make a home improvement due to a growing family, emergency, or for the purpose of maintaining your home, here are some common home improvements in Seattle. 

• Roof repair: Ensuring your roof is in good condition is part of maintaining a safe home. 
• Converting a basement: It’s common for Seattle homes to have a basement that can be converted into additional living space. 
• New windows: With seasonal changes, it’s important to regulate the temperature of your home as much as possible. Replacing windows can make your home safer while helping keep your energy usage down. 

With interest rates higher than what we’ve seen in previous years, home improvement loans that don’t require your home as collateral are trending. While some may find that a secured loan option, such as a home equity loan works best, you owe it to yourself to explore unsecured and secured loan options. Unsecured home improvement loans do not require collateral or a down payment. To check home improvement loan offers up to $100,000, depending on credit score, visit Acorn Finance. Checking offers at Acorn Finance does not impact your credit score.