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As a homeowner looking to upgrade your residence, you should know that loans for home improvement are available. There are many different kinds of programs that you, the homeowner qualify for if you desire to upgrade your home. You may  feel that you will only qualify for a loan if you use the equity that is already built up in your home. However this is not always the case. There are home improvement loans with no equity available.


Did you know that 33% of homeowners have nearly negative equity in their homes? This simply means that the homeowner owes more than the house is valued at.

So what should one do if they desire to apply for loans for home improvement, and you have no equity in the existing home? There are many wonderful programs on the market today that you, the homeowner can look into if you would like to take out a home improvement loan with no equity. Some of the options available may be to refinance your home and take out extra cash. You may even wish to borrow from your 401(k). Simply put, just because there is no equity in your home, does not mean that you have no options to upgrade your home. We offer many solutions to funding your home improvement project, so you too, can have the home of your dreams!


Financing Options

  • 0% APR Cards up To 21 Months on Home Improvement Purchases.

    ​0% APR on Purchases Up to 21 Months- Over 30 Different Offers to Choose From- Good to Excellent Credit Required- Research and Compare all Card​


  • LightStream Home Improvement Loans

    Loan From $5,000 - $100,000 unsecured. Rates starting at 4.29%* APR with AutoPay. Flexible terms available. Good to Excellent credit required. No prepayment penalty. Money  in your account as soon as today.​

  • ​Lending Club Home Improvement Loans

    $1,000 to $40,000 for Home Improvement Rates from 5.99% to 35.89%* APR. Best APR is available to borrowers with excellent credit 3 , 5 & 7 Year terms * No prepayment Penalty Not available in Iowa & West Virginia Minimum  credit score of 620.

Same as cash loans for home improvement is one of the most requested products by consumers. This is an old industry term that can have different meanings depending on who you ask. The traditional meaning was for a product that was offered to the consumer and the primary benefit was a small or no minimum payment loan that carried a 0% term that if the consumer paid the balance in full they would incur no interest charges. There were and are quite a few different iterations of this program but most if not all have been changed a bit due to the legislation that was enacted to better protect consumers.


The new programs are beneficial to consumer in many ways. The consumer can still receive their product or service with a 0% APR for home improvement. Same as cash for home improvement is available with credit card offers for home improvement with a minimum monthly payment that goes directly to reducing the principle balance. This amount is typically 1.5%-3% of the outstanding balance and allows regular if only modest payments by the consumer. You still get the ultimate benefit of a 0% APR product and if they pay in full you will not incur and interest or fees whatsoever.

 Get started today by searching our wide variety of 0% APR home improvement credit cards.

Featured Offers

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