Do I need to own my home to get a repair loan?
No. Personal loans are unsecured, which means renters can apply as well. You do not need to put your home up as collateral.
Personal Loans
Personal Loans for Home Repair
A leaking roof, broken HVAC, or plumbing failure rarely waits for a convenient time. Harbor Lenders connects homeowners and renters with participating lenders who may be able to help cover urgent repair costs.
$1,000 – $50,000 Typical request range
No pull Hard credit check
~2 min To check options
No hard credit pull · Free to check · ~2 min
Why personal loans
Why use a personal loan for home repair?
Unlike home equity loans, personal loans for home repair do not require you to put your home up as collateral. They are typically faster to access and available to renters and homeowners alike.
Fixed payments
Know exactly what you owe each month. No surprises.
Fast to check
Most borrowers complete the request form in under five minutes.
No collateral
Personal loans are unsecured. You do not need to put up assets.
Process
How to check your options
01
Fill out one request form
Share basic details about the amount you need, your income, and employment. Takes under five minutes.
02
Get matched to lenders
Harbor Lenders routes your request to participating lenders who may be able to help. No hard credit pull required.
03
Review your options
If a lender matches, you may be redirected to their site to review terms. You decide whether to proceed.
04
Receive funds
If approved, some lenders transfer funds as soon as the same day or next business day.
FAQs
Common questions
How much can I request for home repairs?
Requests through Harbor Lenders range from $100 to $50,000. For home repair needs, most borrowers request between $1,000 and $50,000.
Can I get a home repair loan with bad credit?
Yes. Participating lenders consider income, employment, and other factors alongside credit score.
How fast can I get funds?
The request form takes under five minutes. If a lender matches, you may be redirected immediately. Some lenders offer same-day or next-day funding after approval.
Check your options today
One secure request. No hard credit pull. No cost to check.