Checking your rate won’t affect your credit score
Build the home
you’re already living in.
Fixed-rate home improvement loans from $5,000 to $150,000 — no equity, no appraisal, no lien on your house. Talk to a loan advisor and get a personalized quote in one business day.
- Rates from 7.49% APR*
- No prepayment penalties
- Funds in as little as 2 days
Kitchen remodel · $42,000
$686/mo
84 months · 9.49% APR · example
$5k–$150k
Loan amounts
2 days
Fastest funding
4.9 / 5
3,200+ reviews
What we fund
One loan for the project you’ve been putting off.
Big remodel or overdue repair, Trellis covers nearly any improvement to your home — and you can combine several projects into one fixed payment.
Payment estimator
See what your project costs per month — before you talk to anyone.
Slide to your budget, pick a term, and get a ballpark monthly payment. When it looks right, send it to an advisor and we’ll come back with your real, personalized rate.
Loan term
Estimated credit
Monthly
$572
Est. APR
9.49%
Total interest
$13,036
Illustrative estimate only. Your actual rate depends on credit history, income and loan details.
How it works
From “someday” to start date in three steps.
- 01
Tell us about the project
Two minutes, one short form. Checking your rate uses a soft pull, so your credit score is untouched.
- 02
Talk to a real loan advisor
A Trellis advisor calls within one business day with personalized options — fixed rates, clear terms, no pressure.
- 03
Get funded, start building
Sign online and receive funds by direct deposit in as little as 2 business days. Pay your contractor however you like.
Why homeowners skip the HELOC.
Home equity products tie your loan to your house and can take weeks. Trellis keeps it simple.
- No home equity needed
- Unsecured loans — your house is never collateral, and there’s no appraisal.
- Fixed rate, fixed payment
- Your monthly payment never changes, so budgeting stays simple.
- No prepayment penalties
- Pay it off early whenever you want and save on interest.
- Soft credit check only
- See your options without any impact to your credit score.
Finished projects, happy homeowners.
“Our contractor had a start date and our bank wanted six weeks for a HELOC. Trellis funded us in three days. The kitchen is done and I still can’t believe it.”
Danielle R.
Kitchen remodel · Asheville, NC
“The advisor actually explained the difference between a 5 and 7 year term in dollars, not jargon. We picked the one that let us sleep at night.”
Marcus & Lee T.
Roof + solar · Sacramento, CA
“Fixed payment, no lien on the house, no appraisal. It was the least stressful part of the whole renovation.”
Priya S.
Primary bathroom · Columbus, OH
Free consultation
Get your personalized quote.
Tell us about your project and a Trellis loan advisor will reach out within one business day with your real rates and terms. No obligation, no hard credit pull.
2 minutes to complete
Just the basics — we never ask for your SSN here.
Your information stays private
We never sell your details to third-party lenders.
Prefer to talk now?
Call (888) 555-0142, Mon–Sat 8am–8pm ET.
No. We use a soft credit inquiry to show you personalized rates, which does not affect your score. A hard inquiry only happens if you choose to accept an offer and finalize your loan.
This could be your summer.
Get a personalized quote in one business day. It’s free and won’t touch your credit score.
Request my free quote