Home Improvement Loan

Finance improvements to your home with a loan from LendKey’s network of community lenders.

Great fixed rate loans with flexible loan terms.

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Stress-Free Financing Is Here

​LendKey makes your home improvement project more affordable, by connecting you with the low interest rates offered by community lenders. In the process of improving your home, you also create value in your neighborhood by keeping funds in your community.

Low Fixed Rate & Great Loan Terms

Get a great fixed rate loan for your home improvement project from community lenders that prioritize people over profits. Manage your monthly payments with industry leading loan term options stretching as far as 15 years.

No Fees

Our community lenders don’t charge borrowers any origination or prepayment penalties for their home improvement loans.

All Improvements Are Eligible

Why worry about meeting certain “Eligible Measures” to qualify for the financing? With LendKey’s Home Improvement loan, all general home improvement projects are eligible.

Contractor Partnership

We provide you with piece of mind knowing we only partner with reputable contractors who have been passed our approval process.

Customize Loan Size

Borrow as much as $50,000 for your home improvement projects. We offer flexible loan terms that allow you to customize a loan to your needs.

Help build your community

Working with community lenders keeps resources in your community. Your investment in your home contributes to a brighter economic future in your own neighborhood.

4 Simple Steps to Get a Home Improvement Loan

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Get a loan for your home improvement projects through our network of contractors.

At LendKey, we believe in a better way to pay for your home improvements with lower cost loans provided by community lenders. These lenders, including credit unions and community banks, support local contractors and homeowners while keeping investment dollars local.

Working with community lenders keeps resources in your community. Your investment in your home contributes to a brighter economic future in your own neighborhood. We provide you with affordable repayment options, that are right for your budget and your family.

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Come Equipped With Better Financing Options

Working with a reputable contractor is key to completing the project of your dreams. Here at LendKey we take the necessary steps to make sure we only work with the highest quality contractors by implementing an extensive approval process.

Working with a contractor that is not listed? Not a Problem! Provide your contractor’s information while completing your application. We can have your contractor signed up in as little as 1 business day.

Are you a contractor interested in signing up? Great! There is no fee to sign up and no fee to utilize the financing.

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Low Rate Loans From Community Lenders

All loans on LendKey.com are funded by community lenders like credit unions and community banks. These financial institutions work with LendKey to keep operating costs low, and pass on the savings directly to you.

Unlike many larger banks that may take deposits in one state and lend in others, community banks and credit unions channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing.

About Community Lending

Frequently Asked Questions About Home Improvement Loans

By working with community lenders, LendKey allows you to offer competitively priced loans to your customers. Because our lenders have low cost funding we don’t need to charge contractors high fees or extra points to generate high returns for investors looking for outsized gains.

In order to participate, contractors must meet specific criteria including; having a valid license, proof of insurance, satisfactory business credit, satisfactory industry reputation. In addition to the listed requirements, our contractor partners must also agree to our participation agreement and code of conduct.

If you are a contractor interested in partnering with us please click here or send an email to contractors@lendkey.com

Have the peace of mind that funds are not released until the work is complete and you confirm your satisfaction. Funds are released directly to the contractor when you have confirmed work completion.

Any. Unlike other loans that require specific eligible measures, the LendKey home improvement loan can be used for any upgrades so long as the contractor performing the work has been approved by us.

There are no prepayment penalties or origination fees.

A: There are absolutely no fees to sign up and no fees to utilize the financing. We look to empower our partners with a truly zero fee financing option in conjunction with great rates and terms offered through local banks and credit unions.

If you are a contractor interested in partnering with us please click here or send an email to contractors@lendkey.com

We can have your company available for your customers in as little as one business day!
If you are a contractor interested in partnering with us please click here or send an email to contractors@lendkey.com

More than 90 million Americans belong to a credit union, and it’s estimated that another 40 million qualify for credit union membership according to “field of membership” rules. There are more than 7,000 credit unions across the country.

1 - Tax Deductible Interest Payments

The deduction is generally the smaller of $2,500 or the interest you paid in the calendar year. Please consult with a tax expert to understand if this option may be available to you.

2 - Cosigner Release

In order to qualify, the borrower, alone, must meet the lender's credit criteria, and the borrower's loan account must be and remain current up until the lender's decision to release the cosigner has been made.

3 - Autopay Rate Reduction

Subject to floor rate. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is cancelled, any increase will take the form of higher payments..