Claim Your Discount — Call or Text Us Toll-Free (888) 480-4286
Apply online through HelloRates, our financing partner. Checking your options takes about three minutes and uses a soft credit check, so your credit score is not affected.
For kitchens, bathrooms, roofing, HVAC, electrical, landscaping and whole-home remodels.
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For commercial property owners and business clients who need funding for a project or for the business itself.
Opens hellorates.com in a new tab · about 2 minutes
Here is exactly what you will see after you click the homeowner button above. There is no cost to apply and you are never obligated to accept an offer.
Pick Home Improvement as the loan purpose, then enter how much you need. The range is $500 to $100,000. If you are not sure, use the total on your Hello Projects Pro estimate.
You choose the range that describes you: Excellent (720+), Good (660–719), Fair (600–659) or Poor (300–599). This is your own estimate — you do not need a credit report or any documents.
Select Employed, Self-Employed, Not Employed or Other, then enter your annual pre-tax income. You may include wages, retirement income, investment income and rental income.
Your home address and roughly how long you have lived there, plus your full name, date of birth (you must be 18 or older), phone number and email. Use an email you actually check — the platform is paperless and your offers arrive there.
If the system cannot confirm who you are from the details above, it will ask for your Social Security Number. This is still a soft credit check and does not affect your score.
Your request is matched with up to five lending partners. You will see the amount, APR, term and monthly payment for each offer before you commit to anything. Accept the one you want, or walk away — there is no obligation and no fee.
Checking your options is a soft inquiry. It does not affect your credit score.
HelloRates never charges you a fee to use the portal or to be matched with lenders.
You can pay your loan off early on any of the programs offered through the platform.
Applications through our link are tied to the work performed by Hello Projects Pro.
The commercial form is a short pre-application. A specialist reviews it and contacts you directly.
First and last name, email, business name, business phone and your industry.
How long you have operated, how long you have been generating revenue, your average monthly revenue, and whether that revenue is deposited into a business bank account.
Choose the purpose — expansion, working capital, payroll, equipment and more — then the amount, what matters most to you (amount, speed or cost of funds), and how soon you need it.
After you submit, your pre-application goes to a commercial financing specialist who reviews it for your situation and follows up by phone or email.
No. Checking your options uses a soft credit inquiry, which does not affect your credit score.
Personal financing runs from $500 to $100,000, with terms from 6 to 144 months. Your approved amount depends on the lending partner and your credit profile.
There are programs for a wide range of profiles, and credit profiles starting around 500 are considered. Approval and your rate are decided by the lending partner, not by us.
The homeowner application takes about three minutes and matched offers appear on screen. The commercial pre-application takes about two minutes and is followed by a call or email.
No. There is no obligation to accept anything, and there is no fee for applying or for being matched.
HelloRates is a technology platform, not a lender. It matches your request with its network of lending partners, which includes national names such as SoFi, LendingClub, Upgrade and Marcus alongside regional lenders. Those partners make the credit decision.
The homeowner link on this page is tied to Hello Projects Pro. Approved funds are applied to the work we perform for you, under an Assignment of Proceeds Agreement.
Applicants must be at least 18 years old and located in the continental United States, Alaska or Hawaii.
Our team can walk you through the application before you start.
(888) 480-4286HelloRates.com is a technology company, not a lender. It does not accept applications for credit, does not make loans and does not make credit decisions. All credit decisions, rates, amounts and terms are set by HelloRates’ lending partners and vary by partner, by state and by your creditworthiness. Submitting your information does not guarantee that a lending partner can be found for you or that you will be approved. You will see the rate, term and monthly payment of any offer before you accept it, and you are never required to accept an offer. Checking your options uses a soft credit inquiry and does not affect your credit score. Applications submitted through the Hello Projects Pro link are subject to an Assignment of Proceeds Agreement, meaning approved funds are applied to services performed by Hello Projects Pro. Available to residents of the continental U.S., Alaska and Hawaii only. Hello Projects Pro is not a lender, does not make credit decisions and is not a party to your loan agreement. 0% introductory APR card offers are subject to approval by the issuing bank and the introductory period may vary.