SoFi Home Improvement loan

[Charlie Lockwood]

Hey BP Fam,

I hoping to get an ADU built. Have already done some DD, ordered design plans and met with my local city..

I'm looking at ways to fund this project.

 I'm trying to go a slightly unorthodox route and fund this project mostly out of pocket with a smaller-ish amount 25-30k from some type of loan. I've looked into HELOCs and considered Cashout/refi but not too interested in either. I have a fixed rate mortgage under 4% so would like to not touch that. 

I've considered private lenders. But the ones I've looked at seem to all want a loan of at least 50-100k. 

I saw that SoFi offers (or at least claims it does) a home improvement loan without using your home as collateral. 

Just curious if anyone has used this loan product and can comment on its legitimacy?

I've also considered an auto title loan from my local CU. Rates are still under 6% and I could get a loan for roughly 110% of the value of my vehicle. However, I have an older-ish car so might only get a loan for around 10k...doesn't quite meet the 25-30k I'm hoping for. 

Thoughts? Other loan products to consider?