Sunroom Financing

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Sunroom addition loans

Sunroom Addition Loans

Sunrooms have become increasingly popular additions to the home, blurring the line between house and the outdoors and making the most of the weather. But with a four-season sunroom coming in at anywhere between $25,000 and $80,000, most of us don’t have the cash to splash. But how about getting finance to help you afford this great extra room for your home?

Applying for a sunroom addition loan is fast and easy:

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Can you finance a sunroom?

Luckily, several options can make your dream of a sunroom come true. Not only can finance enable you to afford a sunroom, but the investment adds value to your home, so it’s a win-win situation.

How much does a sunroom cost?

Sunrooms come in all shapes, sizes, and grades with huge variations in cost. The average price of a three-season sunroom is around $25,000, while a four-season raises the price to $45,000.

Most contractors will quote you based on the square footage of your proposed sunroom and the figure usually includes both materials and labor. A three-season sunroom should cost between $80 to $230 per square foot while a luxury sunroom will be in the $200 to $400 per square foot range.

The total cost is made up of materials and construction costs, with construction costs making up somewhere between a third and a half of the price of materials. If you want to add an HVAC or electrical installation labor will likely cost more.

A three-season sunroom will likely cost between $10,000 and $40,000, and a four-season sunroom should be somewhere in the $15,000 to $80,000 range.

Best Sunroom Personal Loans

Axos Bank


Funding: Borrow $5,000 - $50,000
Minimum Credit Score: 700
APR: 7.15 - 17.99%
Loan term: 3 - 6 years
Funding turnaround: within 1-3 business days

AXOS Bank offers loans up to $50k and great refinancing options on existing loans. Best for borrowers with higher credit scores..

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.

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 $5,000 - $100,000
Minimum Credit Score: 680
APR: 4.99% to 19.53%
Loan term: 2 - 7 years
Funding turnaround: 1 - 3 business days

With SoFi personal loans, borrowers can get access to up to $100,000 with APR starting as low as 4.99% with extra bonus perks ($500 for each funded loan) and fast turnaround time. 24/7 customer support available.

How do you finance a sunroom?

Personal Loan

A personal loan is a good way to finance a sunroom so long as you’re not looking for the entire cost of a large four-season model. Most personal loans have terms of 2 to 7 years so if you are proposing to build a sunroom that is going to cost $75,000, for instance, your monthly repayments are going to be pretty large. You’ll also be limited to lenders that will offer loans of up to $100,000 since most have limits of $35,000 to $50,000.

If you have a high income and good or excellent credit, this may be a good option for you. For one thing, a personal loan is easy to apply for and you could have your funding in just a couple of days. Interest rates are competitive, and with a five-year term, you are spreading the cost of your project over 60 months.

The story is not so good for anyone with a poor credit score. Lenders will be harder to find and the finance will usually have higher rates of interest and shorter terms, too. But loan providers can be found that will accept fair and even poor credit scores.

Through a Sunroom Company or Contractor

Many sunroom companies and contractors offer finance packages, often in conjunction with a partner loan company. This setup has the advantage of being straightforward to arrange, but you need to make sure that you can’t get a better deal elsewhere. Sometimes the lender offers 0% interest periods, which can reduce the costs of borrowing.


Companies that provide home equity lines of credit (HELOC) give you a limit to spend based on the equity you have in your property. A HELOC works much like a credit card with you being able to use as much of your limit whenever you like for the draw period, usually five to 10 years. After this, you then pay off the loan with monthly repayments over perhaps the next 10 to 20 years.

A HELOC has the advantages of low interest rates and high credit limits but you should remember that your home is collateral for the loan. That means that, should you default, the loan company can seize your home and sell it to recover their money.

Home Equity Loan

A home equity loan is a second mortgage and carries with it the advantages of a long repayment period and a low interest rate. Though not as flexible as a HELOC it is usually cheaper. Once again, your home is the guarantee for the loan and, if things go wrong, you could lose it.

401(k) Loan

Borrowing money from your pension pot with a 401(k) loan is certainly an economical way of financing a sunroom. The one thing you need to check on is how taking capital out of your pension might affect your post-employment plans as it may have a negative impact, especially if you’re close to retirement age. Most 401(k) providers won’t allow you to borrow more than $50,000, so you’ll need to factor that into your plans.

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What credit score is needed to finance a sunroom?

For a personal loan, you’re going to need a good score, a low debt-to-income ratio, and high income so the debt is less than 30-40% of your income. A score of 670 or above will put you in good standing.

Most companies providing HELOCs require a credit score of 700 or more while a home equity loan normally needs a minimum of 620.

A 401(k) loan is simply borrowing money from yourself and so doesn’t need a credit check.

Other options will vary, so make sure you do your research before applying.

Will a sunroom increase the value of my home?

Adding a sunroom will add to a home’s value though you are unlikely to get a full return on your investment. Most estimate recovering 50% of your costs when you sell your home. On the other hand, a sunroom will likely make your house easier to sell when the time comes.

It may be that where you live makes a difference, with a sunroom adding more value in a state that enjoys lots of sunshine. But even in cooler states, a sunroom makes the most of what sun you do get.

What are the pros and cons of sunroom financing?


  • A sunroom is a great add-on for any home and finance allows you to pay for it without having to save.
  • Finance lets you spread the cost over time.
  • You may not get all your money back when you sell but you will recoup a large portion and a sunroom adds to the attractiveness of your property.


  • Finance is not free.
  • Repayments can be hard to budget for.
  • If you have a fair or poor credit score opportunities for finance will be hard to come by.
  • You’re likely going to need an income over $100,000 to be considered.

How much will sunroom financing cost?

If you think sunroom financing is for you, you can see how affordable it can be using our finance calculator:

How much do you need to borrow?


Total Payment


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Summary of top sunroom addition loans to compare

Six companies that you might look at for sunroom financing are:

  • Axos – will lend between $10,000 and $50,000 though you need a credit score of at least 700.
  • Best Egg – $2,000 to $50,000 can be borrowed within 1-3 days.
  • LendingClub – loans from as little as $1,000 up to $40,000 with a minimum credit score of 600.
  • LightStream – lend up to $100,000 with quick funding though they do require a credit score of 660 or above.
  • SoFi – offers loans of up to $50,000 with competitive APRs for those that have a credit of 700 or more.
  • Upstart – have loans of up to $50,000 with funding in as little as one day and accept a credit score of 580 or more.

Get started and find your best rate

Once you’ve decided to move forward with your sunroom project, it’s time to get your financing in order. You may find that you need a combination of funding options, such as savings, a 401(k) loan, and a personal loan to fulfill your needs. Whatever you need to realize your vision, make sure you compare personal loans here.

We’ve rounded up the best sunroom personal loans here in our tables, so all you need to do is compare rates and choose the right loan for your circumstances. Then all you need to do is click apply and follow the fast application process - you’ll soon be well on your way to enjoying your sunroom!

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