Home Repair Loans

Did your water heater give out? Has one of your pipes burst? Part of being a homeowner is knowing that there are some repairs that just can’t wait, because doing so will turn your home unlivable, or cause even more damage down the line.

If you don’t have enough cash on hand to pay for repairs, financing can be a great way to cover the cost of fixing up your home. A home repair loan is the best way to finance repairs without a lump sum payment.

Apply now and keep your home and your family safe.

A home repair loan is a credit instrument specifically designed to help you repair your house by spreaeding out the costs into affordable monthly payments. Unlike other lending solutions, these kinds of loans are quite versatile and can take many shapes depending on your current situation and financing options, you can even use your home equity.

If you apply with Happy Loan, you can have the money deposited in just a few days. As private lenders, we can grant loans with lesser requirements than traditional banks, offer much better terms, and approve your application much faster.

Our mission is to help homeowners who need financing, but don’t want to deal with traditional banks, their endless lines, paperwork and months long approval processes. As private lenders, we can provide certain benefits that banks or credit unions cannot match:

• Get your credit approved with lesser requirements
• Almost no paperwork, you can even apply online
• Don’t wait months for your loan, we review applications in a few days
• More flexible financing options
• We can help you rebuild your credit

There are plenty of reasons for taking out a line of credit to cover the costs of repairs, and the final decision will come down to you and your personal circumstances. If you find yourself in one of the following situations, a home repair loan might be right for you:

Some repairs can wait. If what’s broken is cosmetic or only causes a minor annoyance, you can usually let it be and fix it when you want to.

However, sometimes things require immediate attention. Burst pipes, moldy walls, and leaking roofs are just a few examples of things that need to be fixed as soon as possible, lest they cause even more damage or turn your home unlivable.

When that’s the case, a quick cash injection can be a lifesaver.

Some repairs are too costly to pay for all at once. When you need to perform repairs but your financial situation doesn’t allow it, a loan you can pay over time is a better alternative.

Even if you’re in a position to pay for fixing your house all at once, sometimes it doesn’t make financial sense to do so. Monthly payments are much more manageable and easier to fit into a budget.