The credit score needed for a home renovation loan depends on the type of loan. Loan for home improvement refinancing typically requires at least 620. If you use a HELOC or home equity loan for home improvements, you'll need a FICO score of 660-700 or higher. Some lenders have nothing to do with your credit score even if you have bad credit. Companies like Your Own Funding offers home improvement loans with bad credit no matter what your credit score is. Apply today! https://yourownfunding.com/home-improvement-loans-with-bad-credit/