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 1366 customer reviews

Top quality




Review of Wise Loan

Jude was professional with kind and understanding demeanor

MissionTX78574 26.34-98.375

Great customer service




Review of Wise Loan

KenoshaWI53144 42.63-87.875

Response from Wise Loan:

Teresa, 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 [email protected]. Best regards, Wise Loan


Excellence service




Review of Wise Loan

HoustonTX77009 29.8125-95.36

Response from Wise Loan:

Lisa, 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 [email protected]. Best regards, Wise Loan


Good service




Review of Wise Loan

Good Service.Knowlegable of service provided

SulphurLA70663 30.235-93.355

Response from Wise Loan:

Thomas, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Mr Glen was very helpful

ShreveportLA71105 32.455-93.7075

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 [email protected]. Best regards, Wise Loan


Very good communication




Review of Wise Loan

Very helpful

MarreroLA70072 29.8125-90.13

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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Very professional and knowledgeable

El PasoTX79925 31.79-106.3425

Response from Wise Loan:

Rose, 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 [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

Great

PewaukeeWI53072 43.075-88.275

Response from Wise Loan:

Tracy, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Mr Jude was very respectful and kind

GonzalesLA70737 30.225-90.925

Response from Wise Loan:

Desiree, 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 [email protected]. Best regards, Wise Loan


Great service!




Review of Wise Loan

Wise loans with Essential Lending made it easy to expedite business.

AzleTX76020 32.9175-97.5475

Response from Wise Loan:

Douglas, 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 [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

Very helpful, did all the work for me.

PoundWI54161 45.1175-88.18

Response from Wise Loan:

Cyle, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Great Customer Service from Jude every time!

PrairievilleLA70769 30.3175-90.9625

Response from Wise Loan:

Corey, 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 [email protected]. Best regards, Wise Loan


Excellent Service!!!!




Review of Wise Loan

He was absolutely wonderful and very kind and understanding!! I hope all my experiences are like that!!

SeminoleTX79360 32.7-102.7125

Response from Wise Loan:

Christina, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

VictoriaTX77901 28.8075-96.995

Response from Wise Loan:

Angelina, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

ClevelandTX77327 30.3-94.8525

Response from Wise Loan:

John, 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 [email protected]. Best regards, Wise Loan


Jude C.

Jude C.

Near Mission, TX 78574
Jude C.

Jude C.

Near , 77322
Jude C.

Jude C.

Near Austin, TX 78728
Jude C.

Jude C.

Near Minden, LA 71055
Jude C.

Jude C.

Near Humble, TX 77346
Jude C.

Jude C.

Near Wylie, TX 75098
Olga S.

Olga S.

Near John St, San Leon, TX 77539
Jude C.

Jude C.

Near Porter, TX 77365
ROBBY G.

ROBBY G.

Near Kenosha, WI 53144
Jude C.

Jude C.

Near San Antonio, TX 78201
Jude C.

Jude C.

Near Kansas City, MO 64111
Jude C.

Jude C.

Near New Zion, LA 70444
Jude C.

Jude C.

Near Klein, TX 77379
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near 23rd St, Lubbock, TX 79410
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near 23rd St, Lubbock, TX 79410
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Avenue of Oaks St, Houston, TX 77009
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Avenue of Oaks St, Houston, TX 77009
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Texas St, Sulphur, LA 70663
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Texas St, Sulphur, LA 70663
Jude C.

Jude C.

Near Austin, TX 78729
ROBBY G.

ROBBY G.

Near Tomball, TX 77377
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near 2nd Ave N, Texas City, TX 77590
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near 2nd Ave N, Texas City, TX 77590
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Sycamore Dr, Murphy, TX 75094
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this regarding for my performance today?

Near Sycamore Dr, Murphy, TX 75094

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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.

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Resources

Apply for a Home Repair Loan Today