Home improvement
Renovate without dipping into your equity. Faster than a HELOC, no home as collateral.
Why a Nationwide loan for home improvement.
Start with a specialist call. Fixed rates from 8.99% APR. Zero origination fees. Funds in your bank as soon as the next business day. We don’t pull your credit just to give you a quote — a specialist reviews your details first and walks you through your real options.
Fixed monthly payment
One predictable bill, never higher than the day you signed. Compare that to a credit card that re-prices itself.
$0 origination fees
What you borrow is exactly what you pay back, plus interest. Zero hidden costs at any step of the process.
Funded next business day
From the moment your specialist gives the green light, funds land in your bank account as soon as the next business day via ACH.
How a personal loan funds a renovation
A home-improvement loan here is unsecured, so unlike a HELOC or a cash-out refinance, your house is not collateral. There is no appraisal and no second lien on your title. You get a lump sum up front, which is what most contractors want before they will schedule the work.
Because the funds land as soon as the next business day, you can lock a contractor quote before prices or availability change. The rate is fixed for the life of the loan, so a long project on an 84-month term has the same payment in year seven as it did in month one.
A $25,000 kitchen on a 72-month term at 14.99% APR runs about $529 a month. Nothing is taken off the top, so the full $25,000 reaches your account, and a mid-project lump-sum payment carries no penalty.
Common questions
Is this better than a HELOC?
It depends. A HELOC can be cheaper but it puts a lien on your home and takes longer to set up. This is faster, unsecured, and fixed-rate. Your specialist can walk through the tradeoff with you.
Can I use any contractor?
Yes. The funds go to your bank account, so you choose and pay the contractor directly.
See your rate in dollars.
Slide to see the monthly at our best-case APR (8.99%, excellent credit). Final rate ranges 8.99%–35.99% based on your credit profile. No credit pull to estimate.
Find out in 2 minutes.
No credit pull at quote stage. A specialist walks you through your rate. Then you decide.
Check my rate