Home Renovation Loans
Get the Funds You Need – $10,000 to $1,000,000 for Renovations
Beating the banks on rates, speed and service.
Instant Cash Boost! Up to $1M at Lightning Speed.
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What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
4.95% p.a.
Comparison rate from³
5.15% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
01
Get to know you
Tell us about the Home Renovation Loans you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Transform Your Home with a Smart Renovation Loan
Why Choose Affordable Loan USA for Your Renovation Project?
At Affordable Loan USA, we understand home improvements matter. Upgrades and repairs should enhance your living space—with a loan process that’s smooth and fair. That’s why we offer:
Simple online application – apply in minutes, no endless paperwork.
Flexible loan options – whether you’re refreshing a room or undertaking major remodeling.
Transparent terms – you’ll know your interest rate, fees and repayment schedule up front.
Clear eligibility – we consider your credit, income and property value, not just the project.
Trusted support – our team guides you through every step, from application to funding.
What the Loan Covers
Your renovation loan can help with:
Repairs (roofing, siding, plumbing, electrical)
Remodeling (kitchens, bathrooms, basements)
Upgrades (flooring, windows, energy-efficient improvements)
Additions (extra rooms, garages, outdoor living spaces)
Resale enhancements (to boost the value of your home)
Loan Details at a Glance
| Feature | Typical Details* |
|---|---|
| Loan Amount | Varies by your profile and property—typically $10,000 to $1,000,000+ depending on project and eligibility. |
| Repayment Term | Often between 12 to 120+ months, depending on the loan amount and your profile. |
| Interest Rates | Competitive, determined by your credit, income, and property equity. |
| Application Fee | No application fee in many cases — transparent cost structure. |
| Disbursement | Funds or approved draw schedule once the project is verified and approved. |
*All loan amounts, terms and rates depend on lender, your property, credit profile and state regulations.
How It Works
Apply online – Fill out our secure form with basic details about you, your home and your renovation goals.
Get matched – We review your profile (credit, income, property info) and present you with suitable loan offers.
Select your offer – Choose the loan that fits your timeline, amount and budget. We clearly show all terms.
Funding & project kickoff – Once approved, funds are disbursed or drawn in stages, so you can begin your renovation.
Repay & relax – Make regular payments on your new loan, enjoy your improved home, and move forward with confidence.
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
Can I apply with bad credit?
Yes. We help people with all types of credit histories find suitable renovation loans.
How much can I borrow?
You can borrow anywhere from $10,000 to $1,000,000 depending on your eligibility.
What can I use the funds for?
You can use your renovation loan for repairs, extensions, new interiors, landscaping, or full remodels.
Are there any hidden charges?
No, our process is fully transparent — no hidden costs or surprise fees.
How soon can I get approved?
Many applicants receive conditional approval within 24 to 48 hours after applying.