Unsecured Home Improvement Loan
Your home deserves those little (or not-so-little) improvements you’ve planned. Our unsecured home improvement loan makes it possible with no need to tap into your home’s equity.
Fixer-Upper, without the Equity Stress
That creaky floor. That outdated bathroom tile. They met their match with our unsecured home improvement loan.*
- No equity required. You don’t need to borrow against your home to make it better.
- Fixed rates. No surprises. Just predictable monthly payments that fit your budget.
- Flexible terms. Choose from a range of flexible repayment terms that support your budget.
- Contractor-direct payments. We send the loan proceeds straight to your contractor. No back-and-forth. No misplaced paperwork. Just one less thing on your to-do list.
A Few Need-to-Knows
We’re all about keeping things as clear as possible for you. Here are a few details you’ll need to know before you decide this is the loan for you.
- Home improvements only. This loan is just for making your home better. Think repairs, upgrades and renovations, not vacations or tuition.
- Bid sheets required. You’ll need a written estimate from your contractor, so we know exactly what the funds are for. This helps keep everyone on the same page.
- Owner-occupied homes only. To qualify, you must own and live in the home you’re improving. No rental or investment properties, second homes or mobile homes.
- Loan amounts from $5,000 to $30,000.*
After reviewing these details, if you find this loan isn’t the right fit, don’t get discouraged. We’ve got other loan options that might suit your project (and budget) even better. Let’s find the one that works for you.
Home Budgeting Calculator
Let’s be honest. Budgeting isn’t exactly thrilling. Watching your money work for you is pretty great. Our Home Budgeting Calculator helps you look at what’s coming in, what’s going out and what’s left to grow your savings.
Disclosures
*Additional information regarding assets and liabilities will be required during the application process for any unsecured loan request which, if approved, would result in the member’s total aggregate unsecured direct and indirect liability to the credit union exceeding $10,000. The maximum aggregate amount of unsecured debt any member may directly or indirectly owe the credit union at any one time is $30,000.
All loans are subject to credit approval. Rates vary based on loan type, term and creditworthiness.