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Home Improvement Loans

Get your next project off the ground with a Home Improvement Loan.
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    Affordable financing and a streamlined process.

    Our Home Improvement Loan is a quick and easy way to get the financing you need – especially if you haven't built up much equity yet. This affordable, unsecured loan features a streamlined application process to get your home projects off the ground faster.

    Affordable Fixed Rate

    Home improvement loans offer a fixed rate, meaning your monthly payment won’t change during the life of your loan.

    Lump-Sum Payment

    Funds from a home improvement loan are distributed in a single, lump-sum payment, which is convenient when you have a specific project or need.

    Simple Application

    Unlike a home equity line of credit, a home improvement loan is an unsecured loan, with no equity or loan-to-value limitations, as well as no appraisal or lien requirements.

    Home Improvement Loan Rates

    Home Improvement Loan APR as Low as1 Payment per $1,000
    48 Month Term 6.99% $23.94
    60 Month Term 8.99% $20.75
    72 Month Term 10.99% $19.03

    1APR = Annual Percentage Rate. Rates effective as of January 1, 2022 and subject to change without notice.
    Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
    All loans subject to approval. Speak to a loan officer for details.
    Loan is not secured by a dwelling.
    Membership with a $5 Share Account required.

    Turn your plans into actions as you build equity.

    A Home Improvement Loan allows you to tackle home renovation and home repair projects when you don’t have a lot of equity to draw from. With loan amounts up to $50,000, we offer three term options so you can choose the payback plan that works best for your budget.

    Apply Now

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    Common Questions About Home Improvement Loans.

    See All FAQs

    Are there closing costs for a Home Improvement Loan?

    No, there are no closing costs on a Home Improvement Loan.

    What is the maximum amount I can borrow for a Home Improvement Loan?

    You can borrow up to $50,000 with a Home Improvement Loan.

    Helping you reach your goals.

    Get details and guidance about savings, checking, loans and more. We’ll help you take the next step forward, together.

    Man and woman couple carrying a couch into their new home sorrounded by moving boxes

    HomeAdvantage

    In partnership with HomeAdvantage®, Wings Financial offers access to trusted agents, MLS listings, and Cash Rewards for your sale or purchase. Members who work with a HomeAdvantage agent earn an average of $1,800 back in savings!

    Earn Rewards

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    Home Insurance

    Homeowners Insurance, Renters Insurance, and Condo Insurance provide financial protection against damage and disasters inside and outside your residence. It helps keep your home in tip-top shape while keeping your pocketbook safe.

    Protect Your Home

    Kitchen in the middle of a renovation Counters and doors are off and drawers and cabnets are exposed

    Flex-Line HELOC

    You bought your home, you’ve been making regular payments, and you’ve built up equity. Now it’s time to put that equity to work for you. Secure low-cost financing when you need it with a Flex-Line Home Equity Line of Credit.

    Get Financing

    Open a Home Improvement Loan at: