Skip links

Add value to your home and get more comfortable

Is your home in need of some repairs or renovations? Would you like to turn your existing house into your dream home? Have you purchased an investment property that needs upgrades before you sell it? Whatever the reason, home renovations are an excellent way to add value to your home. At Alpine Credits, we strive to help you get funds for your home renovation project as quickly as possible. Our lending specialists can work with you to understand your financial needs and offer home renovation financing solutions.

Renovating your home can be an exciting life event. Alpine Credits specializes in approving home renovation loans quickly and easily so you can get started on your project right away. We know how important it is to have a home you love, and we are excited to help you make your dream a reality.

Apply now

Get the upgrades you want

Home renovation loans

Here are just a few of the ways Alpine Credits customers use home renovation loans:

  • Kitchen upgrades and remodeling
  • Bathroom updates
  • New paint and flooring
  • An addition of a bedroom or completion of a basement
  • Upgrades to existing plumbing or electrical
  • Replacement of a roof or foundation
  • A new deck or landscaping
Apply now

Homeowners get approved in less than 24 hours

Home Equity Loans


Apply online in minutes


Get approved in less than 24 hours


Funds are deposited directly into your account within a week.

Apply now

See how Alpine Credits compares

There is no shortage of ways to fund your project when it comes to home renovations. See how traditional banks, credit cards, and other loan options compare to a personal home renovation loan from Alpine Credits.

Line of

Credit cards

If you need longer than a few weeks to pay off your project charges, you’ll face high interest charges every month until you pay it off.


Keeping your money in savings and investments can earn you more money in the long-run and outweigh the cost of a low-interest rate loan.

Personal line of

Personal line of credit

Lines of credit are secured by your home’s equity which means they are subject to legal fees. This option will depend on how much money you want to pay upfront for legal fees and the home equity value.

loan chart monthly payments
Apply now
Approved stamp

Own your home? You’re approved.

All you need to qualify for a loan is to own your home (or other real estate). Traditional banks look at factors such as your age, income, and credit history to approve you for a loan. At Alpine Credits, we focus on the amount of equity you have in your home or other real estate properties. We make the process as quick and easy as possible.

Apply now

Frequently asked questions

You will begin the process of applying for your home renovation loan by gathering and sending as much information as possible to your lender. You will need to provide your lender with information about the renovation, such as the estimated cost and the timeframe for completion. You will also need to submit documentation that shows you have the funds to cover the costs of the renovation.

This can seem complicated, but with Alpine Credits, we make the process simple and easy. We don’t require any documentation or proof of income, and you can get your loan approval in as little as 24 hours. We only require that you own your home and have home equity to be approved for your home improvement loan.

If you are looking for a loan for your home renovation, there are a few options out there. Lenders are used to offering home renovation loans, and providing funding for this specific purpose. For a home renovation, you need a loan that is specific to this type of purchase – a home equity loan.

This type of loan will allow you to borrow money against the value of your home, which can be used to pay for the costs of your renovation. This makes it a good investment towards the value of your home in the long run. Alpine Credits offers home equity loans specifically for this purpose, so you can get the funds you need quickly and easily.

In order to qualify for a home renovation loan, you normally need to go through a credit check, provide employment history and income, and more information about the state of your finances. This can be a lengthy process that can include a hard pull of your credit history which can affect your credit score. At Alpine Credits, we don’t need your income history, credit score, or other information. Your loan approval is based on your home equity, for which we are usually able to give you approval in under 24 hours.

If you have bad credit, this can sometimes affect your ability to get a home improvement loan with other lenders. This is because a home improvement loan is considered a high-risk loan, and most lenders want to see that you have a good credit history before loaning you money. At Alpine Credits, we specialize in bad credit loans for your home improvement. We don’t require you to have a good credit score or any credit history in order to be approved for your home improvement loan.

All we need is that you own your home and have the equity to back your loan. We can get you approved for your home improvement loan in as little as 24 hours, so you can start renovating your home right away.

**The above chart entitled “Monthly Loan Payments on $35,000” is for discussion purposes only. The graph is intended to illustrate various monthly payments associated with different product offerings to the reader. Please see below for the unique terms and conditions related to each offering. Final rates and payments for all loans in question are subject to change and vary based on each individual’s situation.
Bank Loans: $35,000 interest-only loan with fixed rate prime (2.95%) + 3% / monthly payment. Two-year term in which 100% of principal is owed at the end of the term. Other fees (appraisal/legal) may apply.
Alpine Credits 1st Mortgage: $40,500 (net $35,000) interest-only loan with 5.75% interest rate in year one and prime + 4.00% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Alpine Credits 2nd Mortgage: $40,500 (net $35,000) interest-only loan with 8.75% interest rate in year one and prime + 6.05% in year two. Two-year term in which 100% of principal is owed at the end of the term. Monthly payment and APR associated closing costs (legal fees, appraisal, brokerage fees).
Credit Cards: $35,000 loan paid off in 5 year & monthly PMT. 19.99% interest rate & fee of primary and secondary user ($99 + 30$ = $129 Yearly).
Online Loan 1: $35,000 loan paid off in 46 Months/Bi-weekly PMT with a 26.90% interest rate. Loan details have been taken directly from the online lending company’s website. Other fees may apply.
Online Loan 2: $35,000 loan paid off in 4 Years/Bi-weekly PMT. Loan details have been taken directly from the online lending company’s website. Other fees may apply.