If you've got a few things around the house that you'd like to spruce up but don't have the money for, you might want to consider getting a home improvement loan. As the name implies, a home improvement loan is designed to pay for improvements to a house or other form of real estate.The house and the improvements themselves serve as collateral for the loan, thus reducing the need for additional collateral to be on the line.Best of all, a home improvement loan can help you to improve both your cr.