Find my rate

In partnership with

Make your home improvement dream a reality.

Get Started

Checking your rate will not affect your credit score. 

5.99% APR - 25.05% APR5

Fixed rates with autopay:


How it works:

Get started

1. Find your rate.

Get pre-qualified online with no hidden fees and no obligation.

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

2. Select your loan & apply.

3. Get your money

Sign your documents, and funds are wired to your account.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYELicensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

*Terms and conditions apply. Offer is subject to lender approval and not available to residents of Ohio. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Lifetime welcome bonus payment calculation is based on the total funds paid or pending payment to SoFi members who earned a welcome bonus through the referral program between 12/10/14 – 1/30/2017, regardless of whether the funds have been disbursed.

©2021 Social Finance, Inc. All rights reserved.

You're eligible for a $100 Welcome Bonus with a qualifying funded loan*!

Get Started

Why SoFi for your home improvement project?

Find my rate

Quick Process

Average online approval to funding is seven days so you can get started sooner.

Fixed Payments

Fixed rate payments keep your budget manageable and your project on schedule.

Keep Home Equity

No Collateral - Using an unsecured loan means your home equity is not on the line.

Absolutely No Fees

With SoFi, there are no surprises, or hidden fees. What you see is what you get.