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Home Improvement Loans

A perfect way to help finance that home project you’ve always wanted to undertake. An NIHFCU Home Improvement Loan is a great option when you don’t have the cash on hand or the equity in your home to renovate, upgrade, or remodel your property.

  • Great low fixed rates1

  • Amounts up to $40,000

  • Terms of 36, 48, 84, and 120 months

  • No collateral, no inspections, and no origination fees2

  • Optional Loan Guardian debt protection

  • To receive funds for this loan, a contractor’s estimate or bid/material list itemizing the improvements is required.

Looking to finance a larger project? Check out our home equity loans offering up to 133% of the available equity in your home.

Speak to a Specialist
1-855-203-4747
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Home Improvement Loan Checkup

Get a checkup for your home improvement lending needs from NIHFCU’s home loan experts.
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Rates, fees and terms as of January 13, 2025 and subject to change without notice

Financial wellness begins and ends with the facts. Here’s what you need to know!
1APR = Annual Percentage Rate. The lowest APR shown is available to applicants with excellent credit and includes a rate discount of 0.25% for automatic debit loan payments from an NIHFCU savings or checking account. If automatic payment ceases before loan is paid in full, the interest rate will increase by 0.25%. Restrictions may apply. Final rates and terms for approved applications depend on credit and payment history, payment method and other factors that may be lawfully considered. Payment example: A personal (signature) Loan amount of $10,000 at a rate of 7.49% APR for 60 months would have monthly payments of $200.33. Home Improvement Loan amount of $10,000 at a rate of 6.99% for 36 months would have monthly payments of $308.73.

2This loan is available for the borrower’s primary single-family or townhouse residence only (mobile homes, rental or investment properties are excluded).  Additional conditions may apply.