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Stop Putting It Off.

Upgrade Your Castle With Home Improvements.

Checking your rate will not affect your credit score.✝︎

What Exactly Is A Home
Improvement Loan?

A home improvement loan is a personal loan used to pay for home repairs or renovation projects. NOI Capital’s home improvement loans range from $5K-$100K and they’re unsecured, which means that your house is not used as collateral to secure the loan.

Compared to a home equity loan (HELOC), which may only cover a handful of projects, a NOI Capital Home Improvement Loan allows you to use the money for whatever your dream home demands. And while a HELOC can require an appraisal before you can get approved, a NOI Capital Home Improvement Loan could get approved—and even funded—on the same day*, with no appraisal required.

(without impacting your credit score)†

Why NOI Capital for your home improvement loan?

(without impacting your credit score)†

Same-Day Funding*

Get your funds as quickly as the same day your loan is approved so you can get moving on your project ASAP.

Fixed Payments

With fixed monthly payments over a set term, you’ll know when and how to pay off the debt up front, so you can keep your project at or under budget.

No Collateral

Our home improvement loan is an unsecured loan—meaning your home equity, or anything else, is not on the line.

No Wasted Time

Surprises are almost inevitable with any home renovation. But not with your NOI Capital Home Improvement Loan—you’ll find fast funding, and no surprises.

Feeling Good In Your Home Matters—Now More Than Ever.

As we’ve all been spending a lot more time at home, it’s easy to understand why we want to realize our homes’ greatest potential—because investing in our homes directly improves our quality of life. So whether you envision a small cosmetic refresh or taking it down to the studs, NOI Capital’s got you covered. Here are just a few home improvement projects you might be considering.

Kitchen remodeling

The kitchen has long been called the heart of the home, and over the past year or so, your kitchen’s heartbeat has been rigorously tested. Did it pass? If your kitchen could use a few modifications—or the works—consider that an industry standard for kitchen remodeling projects is 10% of your home’s value.


Enhance your home’s curb appeal in your front yard or expand your living space with a deck or patio in the backyard. anywhere from $4 per square foot for basic or intermediate services, all the way to $40 per square foot for a full makeover landscape design (excluding labor). No matter what your project, landscaping can add to your home’s value while allowing your family to enjoy some fresh air. Source : Forbes Advisor.

Home gym

Make any space work just as hard as you do by converting to a home gym. The need for this functionality came into focus at the beginning of the pandemic and the cost depends on a lot of factors like square footage and equipment. But the return on this type of investment on a day-to-day basis can prove to be invaluable.

Energy efficiency updates

With more time spent at home, you may have noticed your utility bills going up. It might be time to invest in eco-friendly upgrades that could save you money—and help save the planet. Think solar panels, energy-efficient windows and appliances, programmable thermostats, and geothermal energy. Even small modifications could have a positive effect, and not just on your bills.

Here’s the process of getting a NOI Capital Home Improvement Loan:

When it comes to loan options, applying online with NOI Capital is a breeze—and with low rates, even the math is easy.

View your rate.

Get pre-qualified online with no obligation.

Select your loan & apply.

Choose the loan that works for you and complete your application.

Receive your funds.

Sign your documents and funds will be wired to your account—as soon as the same day.*

(without impacting your credit score)†

Home improvement loan tools,
tips, resources, and more.

Our online resource center provides you with over 500 articles, budgeting tools, and guides—all with the goal of helping you succeed.

How to Find a Contractor for Home Renovations & Remodeling

5 Common Home Improvement
Scams & How to Avoid Them

How to Pay for Emergency Home Repairs, So You Can Move on ASAP

Get started in 60 seconds.

Speed matters. Which is why you can view your rate on a NOI Capital Home Improvement Loan in one minute—literally.

(without impacting your credit score)†


A home improvement loan is a personal loan used to pay for home repairs or renovation projects. Unsecured home improvement loans means that your house is not used as collateral to secure the loan.

Loans for home improvement can cover a range of projects from small installations to major renovations. These loans are investments to potentially increase the value of a home. If a homeowner doesn’t have cash to fund these home repairs or renovations, then using loans for home improvements could be a viable option to improve their property.

A home improvement loan isn’t a specific type of loan, but a personal loan used to maintain, repair, or improve a home. These unsecured loans are approved based on creditworthiness and other personal financial factors.

Personal loans for home improvements are separate unsecured loans, meaning they are not tied to the value of your home and your home is not put up as collateral. A HELOC, or home equity line of credit, is a loan which allows you to draw from the existing equity of your home as cash to finance things like large home renovations. A cash-out refinance involves refinancing your mortgage for more than the principal and converting the extra amount to cash, typically to finance home improvements or renovations. Each loan for home improvements has advantages and disadvantages, depending on your needs and financial situation.

Credit cards typically have high interest rates. Home improvement loan rates tend to be lower, making monthly payments more manageable or saving money from interest accrual over the lifetime of the debt. If you’re considering applying for a home improvement loan, it’s worth researching the terms, rates, and criteria.
Home improvement loan terms vary depending on the lender. NOI Capital Personal Loans have term options ranging from 2-7 years.
Applying for a home improvement loan will require meeting your lender’s criteria. Since most home improvement loans are unsecured (meaning they don’t require collateral) this criteria assures the lender that you can repay the loan. Lenders will typically evaluate your credit score, income, and debt-to-income ratio, among other factors. There is no minimum credit score required to secure a personal loan, but lower scores could affect your eligibility, terms, or rate—depending on your lender.
The approval process for home renovation personal loans varies, depending on your lender. Here’s how it works with NOI Capital : Once your application is complete and verified, if you are approved for a home improvement loan, you will receive a Loan Agreement for electronic signature. Once you’ve signed the document electronically, we will give you a call to confirm your address and welcome you to the NOI Capital Community, and then your funds should generally be available within a few days.
The NOI Capital Personal Loan is an unsecured loan. This means that it is not tied to your home and you do not need to provide collateral for the loan.
With the NOI Personal Loan, the minimum amount you can borrow is $5,000 in most states and the maximum is $100,000.