An Upstart personal loan is one of the fastest ways to finance a home improvement project. Unlike a home equity loan or HELOC, you don't need to use your home as collateral — and you can get funds in as little as 1 business day.
Common Home Improvement Uses
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Upstart vs HELOC for Home Improvement
| Feature | Upstart Personal Loan | HELOC |
|---|
| Collateral required | None | Your home |
| Time to fund | 1 business day | 2–6 weeks |
| Fixed rate | Yes | Variable (usually) |
| Risk to home | None | Foreclosure risk |
| Max amount | $75,000 | Up to 85% of equity |
Check My Home Improvement Rate →
Frequently Asked Questions
Can I use an Upstart loan for home improvement? +
Yes. Home improvement is one of the approved uses for Upstart personal loans. You can borrow from $1,000 to $75,000 for any home renovation or repair project.
Do I need home equity to get an Upstart home improvement loan? +
No. Upstart personal loans are unsecured, meaning you don't need to use your home as collateral. This is different from a HELOC or home equity loan.
How fast can I get funds for a home improvement project? +
Upstart typically funds loans within 1 business day after approval. This is much faster than a HELOC, which can take 2 to 6 weeks.
What is the maximum I can borrow from Upstart for home improvement? +
Upstart offers loans up to $75,000, which is sufficient for most home improvement projects including kitchen remodels, bathroom renovations, and roof replacements.
Is an Upstart loan or a HELOC better for home improvement? +
It depends on your situation. A HELOC may offer lower rates if you have significant home equity, but it puts your home at risk and takes weeks to fund. An Upstart loan funds in 1 day, has a fixed rate, and requires no collateral — making it better for smaller projects or borrowers who want speed and certainty.
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