Your Path to Your Home Paradise
At Raiz, we’re dedicated to guiding you through your renovation journey, making it easy to finance your dream kitchen, cozy living area, or backyard sanctuary. Together, we can create a space that truly reflects your style and needs.
Ready to Start the Path to Home Renovation?
Let’s embark on your renovation journey together! Raiz is here to support you with Home Improvement Loans.
-
Features
-
Terms Up to 120 Months
Lower your monthly payments with flexible terms that work for you. Choose the term that fits your lifestyle, from 12 months up to 120 months.
-
Borrow Up to $50,000
Borrow what you need for your bath remodel, kitchen upgrade, new flooring, home painting, or solar panel installation. Raiz can assist you in financing the amount you need to complete your project.
-
Peace of Mind with Raiz Preferred Vendors
Choose from one of our trusted contractors—they’re insured, bonded, and vetted by Raiz to help you avoid scams. Already have a contractor in mind? Let Raiz vet them and manage the payment plans so you only need to focus on choosing the paint color!
-
Fast and Local Approvals
Raiz provides local, less risk-averse underwriting. This means a loan officer makes the decision locally, which gets you funding quicker!
Unlock More Savings on Your Loan!
Lower your monthly payment with a 0.50% rate discount when you set up Direct Deposit and Auto Pay on your Raiz account.* That’s more than $1,800 in
savings over the life of your loan if you borrow $50,000 with a 120-month term at current rates.
Cross Finding a Reputable Contractor Off Your List
Raiz can connect you with reputable contractors and landscapers who are bonded and insured for your peace of mind. Once your loan is approved, we’ll send the funds directly to you or your Raiz-vetted contractor. No need to worry about payments, cash, or checks. We keep it simple. Do you already have a contractor? Great—Raiz will verify that they are licensed, bonded, and insured to help you avoid any surprises during your renovation.
Calculate Your Monthly Payment
Monthly Payment
- Refresh Your Living Space
- Upgrade Your Kitchen or Bath
- Build Your Home Theatre
- Go Energy-Efficient
- Create Your Perfect Backyard
One Loan.
Endless Possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One loan. Endless possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One loan. Endless possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One loan. Endless possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
One loan. Endless possibilities.
We know your home matters to you. For us, it’s more than a loan, it’s a partnership with purpose. Let’s bring your vision to life!
Find the Perfect Plan for You
Browse our competitive rates and find the loan term that best fits your needs.
Limited Time Offer
Bring your current auto loan to Raiz and take advantage of more benefits including:
Get a 1% rate discount1, plus 0.25% off when you set up automatic payments2—and enjoy no payments for 90 days3.
View details
Promo Code: REFI25
| Term | APR1 |
|---|---|
|
|
|
48 monthly payments of $22.79 per $1,000 borrowed at 4.45% APR*.
1
-
1
Apply Online
The online application takes only minutes to complete.
-
2
Get Approved
We’ll review your application and quickly let you know when you’re approved.
-
3
Receive and Use Funds
Once you’re approved, we’ll send the funds directly to you or your Raiz-vetted contractor.
Learn More About Home Improvement Loans
-
You can borrow up to $50,000. Our flexible terms, ranging from 12 months
to 120 months, are designed to fit your unique project needs. -
Interest rates start at 12.24% APR when you take advantage of the 0.50%
rate discount when you set up direct deposit and automatic payments linked
to a Raiz Account*. Check today’s rates here (insert link to rate page). -
Our loans are perfect for new and current homeowners wanting to improve
their homes. You must be the current homeowner for the property and get
pre-approved by Raiz before your vendor can start work. Eligibility depends
on your credit, so contact us to get started! -
Apply online now. We’ll guide you through each step to make it simple so
that you can focus on your home improvement project. -
Use the promo code RENO25 to unlock exclusive offers and savings on your
loan until October 31, 2025. -
We recommend working with licensed, bonded, and insured contractors,
always obtaining 2-3 quotes from different providers, and checking with the
Better Business Bureau. You can find more tips on our blog (link to the
contractor blog).You can also choose from one of our preferred contractors. They’re insured,
bonded, and vetted by Raiz to help you avoid scams. Ask us about them
when you apply! -
At Raiz, we prioritize a stress-free application process. You’ll submit
essential details about your financial situation and home improvement goals,
and our friendly team will keep you updated every step of the way. -
We strive to process your application and fund your loan as quickly as
possible. While times may vary, we’ll keep you in the loop so you can plan
your project without unnecessary delays. -
Yes! Our loans are versatile and can be used to finance a wide range of
home improvement projects, from renovations and repairs to landscaping
and more. -
We understand that life can be unpredictable. If you’re experiencing
challenges making payments, please contact us at 915.455.2873. We’re here
to work with you and explore options that can help.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Test Login
How to make a bill selection
Leaving Our Website
Raiz is not responsible for the content of other sites. Your use of other sites is not subject to the Raiz privacy policy, but may be subject to the privacy policy of the other site.