Fund Your Dream
Home Project
From a kitchen remodel to a full renovation, UrFunded connects homeowners and contractors with flexible financing up to $150,000 — with approvals in minutes and no hidden fees.
Financing Built for Home Improvement
We've designed every aspect of our home improvement loan program to make the process fast, transparent, and stress-free.
Up to $150,000 Available
Finance small repairs or full-scale renovations. Loan amounts up to $150K cover virtually any home improvement project.
Repayment Terms Up to 20 Years
Spread payments over terms that fit your budget — from short-term options to repayment plans up to 20 years.
No Hidden Fees
Transparent loan programs with no surprise charges. You see exactly what you're getting before you sign anything.
Approvals in Minutes
Our streamlined digital application delivers fast credit decisions so your project can start without unnecessary delays.
Rates from 8.49% APR
Competitive fixed APR rates starting at 8.49% (with AutoPay enrollment). Rate depends on creditworthiness and loan terms.
Direct ACH Payments
Funds go directly to your contractor's business account via ACH transfer — no middlemen, no delays.
From Application to Funded in 4 Steps
Apply Online
Complete our simple digital application in under 5 minutes. No hard credit pull, no paperwork.
Get Approved Fast
Receive a credit decision in minutes. Your advisor will present the best loan options for your situation.
Choose Your Terms
Select the repayment plan that fits your budget — from short-term to up to 20 years.
Project Gets Funded
Funds are sent directly to your contractor via ACH transfer. Your project starts without delay.
We Finance All Types of Home Projects
Whether it's a quick repair or a complete home transformation, UrFunded has a financing solution for your project.
UrFunded vs. Typical Lenders
| Feature | UrFunded | Typical Lender |
|---|---|---|
| Loan amounts | Up to $150,000 | Often capped at $50K |
| Repayment terms | Up to 20 years | Typically 5–7 years |
| Hidden fees | None | Common |
| APR range | 8.49% – 18.99% | Often 15%+ |
| Approval speed | Minutes | Days to weeks |
| Staged funding | Available for contractors | Rare |
| Direct ACH to contractor | Yes | May route through 3rd parties |
| No hard pull to apply | Soft pull only | Hard pull required |
I'm a Homeowner
Ready to start your home improvement project? Apply in 5 minutes, get approved fast, and choose repayment terms that work for your budget. No hard credit pull to apply.
- No hard credit pull
- Decisions in minutes
- Terms up to 20 years
- Rates from 8.49% APR
I'm a Contractor
Offer financing directly to your customers at the point of estimate. Close more deals, increase average project size, and get paid faster with direct ACH deposits — including staged funding for eligible partners.
- Offer financing at point of sale
- Direct ACH to your account
- Staged funding available
- Close more deals
Common Questions
Loan Disclosure: All loans are subject to credit approval and offer eligibility. Product terms and availability are subject to change. APR range: 8.49% (with AutoPay) to 18.99% depending on creditworthiness. Example: On a 15.24% fixed APR loan, a customer could have (1) 48 monthly payments of $279.53 per $10,000 borrowed; (2) 120 monthly payments of $162.81 per $10,000 borrowed; or (3) 240 monthly payments of $133.46 per $10,000 borrowed. Examples are for illustrative purposes only. UrFunded is a loan broker, not a direct lender. DRE License # 02282830 | Equal Housing Lender