If you’re wondering how to finance a home renovation, a home improvement loan—an unsecured personal loan—can fund renovations, repairs, or upgrades without requiring your home or other assets as collateral.
Suitable for projects ranging from repainting a room to full kitchen or exterior overhauls, these loans typically range from $2,000 to $50,000, depending on your credit profile and the lender’s criteria. Their main advantages include a straightforward application process, quick approval, and fixed, predictable repayment terms—often making them more appealing than credit cards or mortgage refinancing.
Koehn Painting Co. has partnered with Hearth, a financing platform that simplifies the process of obtaining home improvement loans. Hearth connects homeowners with a network of 17 lenders, offering a quick pre-qualification process that doesn’t impact credit scores. It allows users to compare multiple offers based on interest rates, loan terms, and monthly payments.
Hearth acts as a broker, not a lender, ensuring a secure and flexible financing journey. This partnership empowers homeowners to finance their dream projects efficiently and with confidence, backed by Koehn’s trusted craftsmanship and support throughout the renovation journey. Let’s dive deeper into this topic.
What Are Home Improvement Loans?
If you’ve been researching how to finance a home renovation, chances are you’ve come across the term home improvement loans. But what does that actually mean?
Home improvement loans are unsecured personal loans made specifically to help homeowners with renovations, repairs, or upgrades. Whether you’re repainting your entire house, replacing old windows, or redoing a kitchen, these loans give you access to the funds you need—without having to dip into your savings or touch your mortgage.
Unlike secured loans, which require you to put up something valuable like your house or car as collateral, unsecured loans don’t put your property at risk. That means if you’re approved, you can move forward with your project without tying your financing to a specific asset. Of course, your credit score, income, and debt-to-income ratio still matter, but the process tends to be faster, simpler, and less invasive.
Loan amounts can vary depending on your lender and financial profile, but most fall between $2,000 and $50,000. For smaller projects—like repainting a few rooms or updating a bathroom—you might not need much. However, for full-scale renovations, major exterior work, or multi-room upgrades, applying for a higher amount provides the flexibility to complete everything at once without cutting corners.
Why choose a home improvement loan over other financing options? Simple. Compared to maxing out credit cards (high interest, low limits) or refinancing your mortgage (time-consuming, costly closing fees), a personal loan for home upgrades offers a middle ground that’s fast, direct, and predictable. You know exactly how much you’re borrowing, what your payments will be, and when you’ll be done paying it off. No surprises.
In short, home improvement loans offer a clear path forward, so you can stop putting off your renovation and start planning it with purpose.
Why We Partnered With Hearth To Help You Finance Your Project
At Koehn Painting Co., we’ve built our reputation on delivering high-quality results with honesty, reliability, and craftsmanship. But no matter how smooth the painting process is, we know one thing can still stand in the way of a dream renovation: the budget.
That’s why we’ve partnered with Hearth, a financing platform that helps homeowners find the best way to pay for their projects—without the hassle, hidden fees, or credit damage that often come with traditional loans.
This partnership helps our clients explore real lending options, compare offers, and get funding quickly, all while focusing on the exciting part: making their home look and feel better than ever.
So, what makes Hearth different?
- You get access to a network of 17 lenders, each competing to offer you a personal loan or credit solution that fits your unique financial profile.
- The prequalification process takes less than two minutes and won’t impact your credit score—perfect if you’re just exploring your options.
- You’ll receive multiple personalized offers, so you can compare rates, terms, and monthly payments before making any decisions.
It’s important to understand that Hearth isn’t a lender. They don’t issue loans or make credit decisions. Instead, they act as a tech-powered broker, simplifying the process of finding and securing financing from reputable lending partners. Everything happens in one secure place, and you stay in full control from start to finish.
For us, this partnership is more than helping you access your project faster and easier; it’s about removing friction from your renovation journey. Because the last thing you need when planning a big upgrade is more paperwork and uncertainty. Hearth keeps things simple, so you can keep moving.
Contact us here if you would like to find the best painting contractor for your residential or commercial painting needs.
Financing Home Improvements Should Be Easy — Here’s How It Works
At Koehn Painting Co., we believe that planning your renovation should be an exciting, not a stressful, experience. Our partnership with Hearth helps you find personalized home improvement loans from up to 17 different lenders, all in one place. Whether you’re repainting the exterior, updating your kitchen, or doing a full-scale renovation, this tool gives you real options to make it happen—quickly, securely, and without the guesswork.
1. Start with a 2-minute pre-qualification
The first step? Fill out a quick form that takes less than two minutes. Will this affect your credit score? Not at all—it’s a soft credit check, so it won’t impact your rating.
You’ll be asked for basic information such as income (including wages, rental properties, and investments) and credit estimate. If you receive non-taxable income, you can increase that amount by 25% when reporting.
This simple step gives you an immediate look at what’s possible—without requiring any commitments. As one homeowner told us: “As a first-time homeowner, I didn’t even consider a personal loan as an option, but I’m glad I found you guys because now that I know the rates — I’m seriously considering it.”
2. Compare offers from multiple lenders
Once you complete the form, Hearth pulls real-time loan offers from a network of trusted lenders. These offers are tailored to your profile and your project, making it easy to compare interest rates, repayment terms, and monthly payments side by side.
- Not happy with your initial results? You can try again with a co-borrower, which may help you qualify for a better rate or larger amount.
- Wondering how APR is determined? Lenders evaluate several factors, including your credit history, debt-to-income ratio, income, and expenses.
- Do you need to finance a little more or less than your exact project cost? No problem—you’re in control. You can borrow a smaller amount, match the project total, or go higher if needed.
- Not sure what fits your monthly budget? Hearth provides a Monthly Payment Estimator that allows you to preview your loan details before applying. Simply move the sliders to change the loan amount, interest rate (APR), and term length, and you’ll see an estimated monthly payment instantly.
Whether you’re wondering what’s the best way to pay for a home renovation or how to finance a home renovation without touching your savings, this flexibility is what makes Hearth a standout option—and a smart choice for anyone financing home improvements.
3. Choose the right loan for you
After reviewing your options, choose the offer that aligns with your budget, goals, and timeline.
You’ll also have flexibility built in. Want to pay it off early? Go for it. None of Hearth’s 17 lending partners charge prepayment penalties, so you can pay ahead without extra fees, which is ideal if your financial situation changes down the line.
Once you’re approved, you won’t be left waiting: most loans are funded within just 1 to 5 business days, so you can kick off your renovation without unnecessary delays. If your project isn’t quite ready to begin, at least one of Hearth’s lenders even allows you to schedule funding up to 45 days out, giving you time to finalize plans while still locking in your financing.
“I wanted to remodel my kitchen for the least amount of money possible. Through Hearth, I found a SoFi loan that let me do that.”, shared a happy homeowner with us.
4. Finalize and upload documents
Once you’ve chosen your loan, you’ll need to verify your income by uploading supporting documents. This is a standard process with Hearth’s lending partners to ensure transparency and compliance.
The minimum loan amount is usually $1,000, but some lenders only provide loans beginning at $2,000. Therefore, we suggest requesting at least that much to access the best options.
If you feel stuck or need help at any point throughout this process, Hearth’s team is available to answer your questions. This process is smooth, secure, and user-friendly.
As a client in this situation said, “My experience was excellent. Agents answered all my questions. They were friendly and just overall pleasant to work with. The process was quick and painless.”
With this process, you no longer have to wonder what the smartest way to finance a home renovation is. Hearth provides clarity, speed, and options. And with Koehn Painting Co. by your side, you can proceed confidently, knowing your vision (and your budget) are in good hands.
Ready to Renovate? Here’s How to Finance a Home Renovation the Smart Way
When homeowners ask us how to finance a home renovation, we have no doubt about the answer. With a simple, fast, and secure tool like Hearth, we believe they can approach their next project with clarity and confidence.
Renovating your home shouldn’t mean draining your savings or jumping through hoops at the bank. And at Koehn, we don’t feel like we’re here just to provide expert craftsmanship and beautiful finishes: we’re here to support your renovation journey from start to finish (and even before that).
So if you’re ready to take the next step, explore your options, and bring your vision to life, we’re here to help. Because the smartest way to renovate starts with knowing how to fund it right.
Discover the Koehn Painting difference – contact us today for a free estimate and step into a vibrant, freshly painted home!
