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Need Urgent Funding? Get Financial Help with Home Repair Loans.

Unexpected repairs can occur at any time. Get a swift loan approval and access funds quickly.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus
Join the growing number of homeowners who have received funds for emergency home repairs.

Hear From Our Customers


Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1501 customer reviews

Customers say: The provided content describes the overall sentiment of the reviews as positive. The reviews mention friendly and polite customer service, with many customers expressing gratitude for the assistance they received. There are also mentions of the ease of the loan process and the quick turnaround time for receiving funds. However, there are a few negative reviews that mention unprofessional customer service, with one customer reporting dishonesty and stealing. Overall, the sentiment is positive, with more positive reviews than negative ones.


Excellent Service from Sheena




Review of Wise Loan

Shenna was professional, knowledgeable and kind . I highly recommend using Wise loans as their customer service is first class .

San AntonioTX78220 29.415-98.39

Excellent Service




Review of Wise Loan

Great service and very prompt and professional . I highly recommend.

San AntonioTX78220 29.415-98.39

Excellent Service




Review of Wise Loan

Great representative, very professional

St. LouisMO63138 38.8-90.205

Response from Wise Loan:

Brenda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent




Review of Wise Loan

SpringfieldMO65803 37.295-93.2975

Response from Wise Loan:

Austin, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

KaufmanTX75142 32.585-96.26

Response from Wise Loan:

Barbara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Rey Tan was very helpful and knowledgeable

SlidellLA70461 30.2275-89.6825

Response from Wise Loan:

Denise, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Great Service




Review of Wise Loan

Jude was extremely helpful

RoanokeTX76262 33.005-97.225

Response from Wise Loan:

Angela, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent




Review of Wise Loan

Very professional

SlidellLA70460 30.32-89.8325

Response from Wise Loan:

George, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

She was very helpful and courteous it was a excellent experience

FarmingtonMO63640 37.765-90.4125

Response from Wise Loan:

Jackie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Lovely




Review of Wise Loan

Customer service representative was very informative and helpful and represented Wise Loan professionally.

New OrleansLA70119 29.9825-90.06

Response from Wise Loan:

Xavier, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Amazing service




Review of Wise Loan

WacoTX76708 31.6175-97.2125

Response from Wise Loan:

Cecilia, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent




Review of Wise Loan

ArlingtonTX76013 32.7225-97.1525

Response from Wise Loan:

Tiwanna, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

BlythewoodSC29016 34.2-81.01

Response from Wise Loan:

Lia, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Muy satisfecho

KatyTX77449 29.855-95.7025

Response from Wise Loan:

Luis, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Really kind and helpful




Review of Wise Loan

Appreciate his reassurance and kind way of speaking. Please give him a raise.

Wichita FallsTX76308 33.85-98.545

Response from Wise Loan:

Elizabeth, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Olga S.

Olga S.

Near S Blue Heron Way, Nampa, ID 83687
Olga S.

Olga S.

Near Weir Ave, San Antonio, TX 78226
Olga S.

Olga S.

Near Whistler Ln, El Paso, TX 79936
Olga S.

Olga S.

Near Tribeca Ln, Plano, TX 75024
Olga S.

Olga S.

Near S Broad St, New Orleans, LA 70125
Olga S.

Olga S.

Near Greenridge Ave, Payson, UT 84651
Sheena U.

Sheena U.

Near Houston, TX 77007
Jude C.

Jude C.

Near Fort Worth, TX 76133
Jude C.

Jude C.

Near Horizon City, TX 79927
Jude C.

Jude C.

Near Chaffee, MO 63740
Sheena U.

Sheena U.

Near Houston, TX 77044
Sheena U.

Sheena U.

Near Houston, TX 77044
Sheena U.

Sheena U.

Near Milwaukee, WI 53207
Jude C.

Jude C.

Near CORP CHRISTI, TX 78415
Sheena U.

Sheena U.

Near Blythewood, SC 29016
Sheena U.

Sheena U.

Near Blythewood, SC 29016
Jude C.

Jude C.

Near Kenner, LA 70065
Jude C.

Jude C.

Near Lisbon, WI 53089
Jude C.

Jude C.

Near Lubbock, TX 79414
Jude C.

Jude C.

Near Elgin, TX 78621
ROBBY G.

ROBBY G.

Near San Antonio, TX 78242
ROBBY G.

ROBBY G.

Near Merriam Woods, MO 65740
ROBBY G.

ROBBY G.

Near Sappington, MO 63128
ROBBY G.

ROBBY G.

Near Mandeville, LA 70448
Rey T.

Rey T.

Near Baton Rouge, LA 70817

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What is a Home Repair Loan?


A home repair loan, frequently termed a home improvement loan, is tailored for those addressing unexpected home repair or improvement costs. From renovating kitchens to fixing structural issues, costs can pile up swiftly. These unexpected expenses can become daunting for many homeowners, especially if savings are unavailable.

This type of loan introduces a structured repayment plan, easing the immediate monetary burden. The loan offers flexibility, whether you prefer weekly, biweekly, or monthly payments. With attractive interest rates, a home repair loan can substantially assist homeowners, ensuring smooth home renovations.

How It Works

Securing a home repair loan with Wise Loan is effortlessly a three-step journey:

1

Apply for a Loan

Home repairs can be urgent. Our application process is concise, taking just a few minutes. A checking account is required.

2

Receive a Loan Decision

Post application, expect a loan decision within minutes to an hour, alleviating financial worries related to repairs.

3

Get Funds

Access funds when needed, be it same-day, instantly, or the next day. Direct deposit is a prerequisite for funds reception.

Why Choose Wise Loan?


Wise Loan is a premier choice for home repair loans. With competitive interest rates tailored to suit various financial profiles, we guarantee you get the best deal possible. Our Nest Egg program rewards borrowers for their punctuality in repayments, providing an added incentive for on-time payments. We regularly report timely payments to major credit bureaus, so choosing Wise Loan can be a strategic move for those aiming to boost their credit scores. Whether mending a leaky roof or embarking on a minor renovation, we support your financial journey.

What Can I Use a Home Repair Loan For?


Emergency home repair loans can cover diverse home-related costs:

Refurbishing rooms

Repairing roofs

Updating plumbing or electrical systems

Landscaping

Purchasing new appliances

Minor home improvement projects

Whatever unplanned costs you face during your home upgrade, loans for home improvement from Wise Loan have got your back.

We Proudly Serve These Locations

Wise Loan is proud to offer loans in:

Home Repair Loan FAQs

How Much Can I Borrow with a Home Repair Loan?

Multiple factors influence the amount you can borrow for a home repair loan. These include your financial health, credit history, and the guidelines set by the lender. At Wise Loan, we offer loan amounts ranging from $500 to $1500, designed to meet different repair needs. Nevertheless, evaluating your actual needs and borrowing responsibly is crucial, ensuring you can manage repayments comfortably.

How Do Home Repair Loans Work?

Home repair loans operate much like personal loans. The process typically begins with an online application where you provide essential information. Following this, online lenders like Wise Loan evaluate your application based on various criteria. If approved, you can then determine your preferred repayment terms. Ultimately, you’ll have access to funds as a lump sum, ensuring you can address your needs promptly and efficiently.

Is Securing a Home Repair Loan Challenging?

Obtaining a home repair loan is generally more straightforward than traditional loan processes. You do not need to have excellent credit to qualify. While your creditworthiness is integral to the decision, lenders like Wise Loan consider a broader range of factors. We look at the urgency of your home repair needs alongside your credit, ensuring a balanced assessment. This inclusive approach is aimed at catering to a broader range of applicants. You may still qualify for a loan even with bad credit.

How Can I Obtain a Home Improvement Loan?

You can get a home improvement loan quickly. Initiating this process with Wise Loan is relatively user-friendly. First, you would submit an online loan application detailing your needs and financial information. Our team at Wise Loan will then quickly review your application, often providing feedback in minutes to an hour. If you’re approved, the next step involves the transfer of funds, which could even be available on the same day, showcasing our commitment to helping you without delays.

What Are My Home Improvement Financing Options?

Beyond home repair loans, there are multiple financing avenues you can consider. Some individuals turn to their personal savings, while others might consider borrowing from friends or family. Credit cards are another alternative. Additionally, several organizations and institutions offer specialized financing programs for home improvements. It’s beneficial to thoroughly research each option and select the one that aligns best with your financial situation and needs.

Other Emergency Loan Options

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Resources

Apply for a Home Repair Loan Today