Home Insulation Financing

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Home Insulation Financing

Home Insulation Loans

Home insulation helps your home retain heat or cool air, and with old insulation (or even no insulation) you are at best going to be spending a lot on your energy bills each month, and at worst, suffering through the worst of the temperatures your area has to offer. If your home needs home insulation, it’s best to get it done as soon as possible, and for that, you’ll likely need home insulation financing.

Applying for a home insulation loan is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

Borrow up to $100,000 as fast as next business day

Absolutely no negative impact on your credit score, ever.

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in less than 2 minutes and compare offers from top lenders with no impact on your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

Compare Your Personal Loan Options

Can you finance home insulation?

Yes, you can. While some home insulation installers may offer a payment plan, most people look to a personal loan, credit card, or secured loan to pay for their home insulation needs.

Best home insulation loan options


Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.




Funding: Borrow $1,000 - $50,000
Minimum Credit Score: 660
APR: 5.94% to 35.97%
Loan term: 2 - 7 years
Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.

Best Egg

Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 640
APR: 5.99 - 29.99%
Loan term: 3 - 5 years
Funding turnaround: 1 - 3 business days

With Best Egg personal loans, borrowers with fair to good credit can get funding for 3-5 years and have the option to use the loan for a variety of purposes.

What are the different types of home insulation?

  • Blanket Batts and Rolls - this type of insulation is designed to fit in between standard studs in walls, rafters in the attic, and joists in the floor. If your home is of standard and relatively modern construction, you can often DIY this type of insulation - with a catch - you have to be able to access beneath the floor or behind the walls. Since most attics are unfinished, doing DIY insulation is more practical. This type of insulation is often made out of fiberglass, but you can find some made out of cotton, mineral wool, or sheep’s wool, which is a lot more skin- and lung-friendly.
  • Spray Foam - this is a good option for homes that are already finished but have subpar or old insulation in the walls because it can be sprayed into a small area.
  • Blown-In - this is another good option for finished homes as it can be done in a few hours and there is rarely evidence left behind that anything has been done, besides better temperature control in your home.
  • Foam Boards - these are very practical to install, but you have to do it when the studs are bare, before you add plasterboard.
  • Reflective Barrier - this is a good option for those living where cold is very rarely an issue, but heat often is. This essentially works like those reflective barriers you can use on your car windshield to try to reduce how hot it gets.

What is the best insulation?

That really depends on your location and what you’re working with. For example, someone in south Texas might decide to invest in reflective insulation because it’s rarely cold, but it would be a waste of time for someone in Wisconsin. Spray foam and blown-in insulation are both effective forms of insulation and are easy (and fast) to have installed in your home, so for many, that will be the right choice.

How much does it cost to get my home insulation done?

Most homes cost between $3,000 and $10,000. You can work out the likely price range for your home by square foot: insulation usually costs $1.50 to $5 per square foot.

What is the best way to finance home insulation?

  • Personal Loan: a personal loan is usually the most straightforward way to borrow. You apply to a lender for a lump sum and they deposit it into your bank account for you to use as you see fit - in this case, your home insulation. Interest rates are usually relatively low (especially for those with excellent credit) and you can spread the cost over a term of 2-5 years (though other terms are available).
  • In-House Financing: Some home insulation companies may offer in-house financing, often through a partner lender. This can be a good choice if they offer a 0% APR promotional period, but they are essentially personal loans, so make sure you compare what they offer with what you could get through an external lender.
  • Credit Card: If your home insulation is going to cost around the lower end of the scale, a credit card may be able to cover the cost. While credit card interest rates are generally high, this is a good opportunity to take advantage of rewards cards or 0% APR cards, if you have good or excellent credit. Just make sure you are dedicated to paying it off during the introductory period.
  • HELOC: A Home Equity Line of Credit is where you get a line of credit (like a credit card) from a lender secured on the equity you have in your home. This allows you to only pay interest on what you borrow, so may be a good choice if you’re also going to be doing other home improvement projects.
  • Home Equity Loan: A home equity loan is essentially a second mortgage - it’s a loan secured by the equity in your home. This is a good way to get a low-interest rate, but for solely the cost of insulation, you may find it is a risky way to borrow.
  • Cash-Out Refinance: This is another term for mortgage-refinancing, where you get a new mortgage for more than your old one so you can use the additional money to pay for your home insulation. If you are solely going to be paying for your insulation and the costs are under $10,000, this may not be a good option for you unless you already need to refinance your mortgage.
  • 401(k) Loan: Some 401(k) plans allow you to borrow from your retirement account over a term of 5 years. This is a good option if you don’t have good credit, because no credit check is required, and there’s no interest to pay. You should do your research and make sure this makes sense for your retirement plans, as there are often restrictions placed on your account until the loan is paid back.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

Is there a tax credit for insulating your house?

You may be able to get a tax credit for $500, but things do change, so make sure you check what is available to you. This website has some good information about what incentives may be available to you: InsulationInstitute.org.

What are the pros and cons of home insulation loans?


  • Improve the value of your property
  • Drastically improve your quality of life
  • Save money on your bills (you can save an average of 15% on heating and cooling costs)
  • Allows you to spread the cost over months or years


  • If you don’t have good credit, you may feel like you have to use your home equity to secure your loan or accept a high-interest rate because living without home insulation is difficult

What credit score do you need for home insulation financing?

You should be able to find some form of financing to insulate your home no matter what your credit score is, but if your score is below 600 you may need to think about finding a co-signer, using your home equity, or selling an asset to pay for your insulation.

Can you get home insulation financing with bad credit?

If you need insulation, you should be able to find some form of financing to help pay for the cost. Make sure you thoroughly research your options and understand how much your repayments will cost you.

Home Insulation Financing Calculator

To find out how much your home insulation loan will cost, use our calculator below:

How much do you need to borrow?


Total Payment


Total Interest


Monthly Payment


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What are the best lenders for home insulation financing?

If you decide to use the most straightforward type of financing (a personal loan in most cases), some of our preferred lenders are:

  • Best for good or excellent credit: LightStream
  • Best all-round: Upstart
  • Best for small loans: Best Egg
  • PenFed Credit Union
  • SoFi
  • Discover Personal Loans
  • Axos

Make sure you look through the loans in our tables to find the best loan for your circumstances.

Compare rates and apply

Home insulation can drastically improve your quality of life, and reduce your heating and cooling bills. If getting new home insulation is the next thing to do on your list, don’t delay. Speak to an installation professional near you to find out the costs, or do the math to find out how much you need to borrow to DIY your insulation, and then it’s time to apply for financing. Compare the best home insulation loans in our tables and when you find the one that best fits your needs, apply. Most lenders will fund your loan in under 48 hours.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

Compare Personal Loans in Minutes

Apply online and find your best rate without affecting your credit score.