Home Improvement Loans
Make your home project a reality.
Renovate, Remodel, Redesign, and Refresh
With this loan, homeowners can finance home projects without tapping their home’s equity or having cash on hand.
Home Improvement Loan – Features & Benefits
Get what you need to fund your vision
- Low rates: To help keep payments affordable and predictable
- Generous loan amounts: up to $40,000 available.
- Variety of repayment terms: 36, 48, 84, and 120 months.*
- Zero Collateral: Borrow without equity in your home being required.
- No fees for home inspections or origination.1
To receive funds for this loan, a contractor’s estimate or bid/material list itemizing the improvements is required.
Today’s Rates
|
Term |
36 MONTHS |
48 MONTHS |
60 MONTHS |
84 MONTHS |
120 MONTHS |
|---|---|---|---|---|---|
|
Rates, fees and terms as of 01/24/2026 and subject to change without notice. *APR = Annual Percentage Rate. For highly qualified applicants. Final rates and terms for approved applicants depend on credit and payment history, payment method and other factors which may be lawfully considered. Restrictions may apply. Payment example: Home Improvement Loan amount of $10,000 at a rate of 7.49% for 36 months would have monthly payments of $311.02. Includes 0.25% off for automatic-debit of loan payment from an NIHFCU savings or checking account. |
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|
Term APR* (as low as) |
36 MONTHS 7.49% |
48 MONTHS 10.74% |
60 MONTHS 10.74% |
84 MONTHS 11.24% |
120 MONTHS 11.74% |
Request A Consultation with a specialist
Start Your Home Improvement
Disclosures
All information as of 01/24/2026 and subject to change without notice.
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1)
This 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.