Home Improvement Loans
Quickly get funds to remodel or repair your home
Quick & Simple
Enjoy the convenience of a faster loan process.
Access funds typically by the next day after approval.D
You won't need equity for this home improvement loan.
Great rates with low closing costs
Interest rates as low as 3.69% APRD for a 3-year fixed home improvement loan.D
Your individual interest rate will be influenced by credit score, auto-draft settings, loan term and size.
As low as
Designed for your convenience
Quickly unlock funds to use for home renovations, remodeling, repairs, additions or improvements.
Keep your home and your family safe
Cash back rules
People often ask us
You can use a home improvement loan for any improvements to your primary or secondary residence. Most people use home improvement loans to fund projects like remodeling a kitchen, building a deck, replacing a roof or landscaping.
A home improvement loan offers a simpler, faster process to receive funding without having to tap equity in your home.
Although both may be used for home improvement purposes, a home improvement loan differs from a home equity line of credit in a number of important ways. First, a home improvement loan is unsecured, meaning it does not require equity or collateral. A home equity line of credit, on the other hand, is secured by equity in your home. Second, while an equity line typically takes more than 30 days to open, a home improvement loan offers a faster, simpler process. And while an equity line can be used for other purposes, a home improvement loan must be used to remodel or repair your residence. Finally, an equity line is a revolving line of credit, so funds become available as you pay down the balance. In contrast, a home improvement loan is a one-time amount between $10,000 and $50,000.
You can borrow any amount between $10,000 and $50,000.
You'll need to complete an application with the following information:
- Property address
- Photo ID (drivers license or passport)
- Employment and income information
- Amount you wish to borrow
We'll review your credit application in accordance with our normal credit approval processes.
You will need to complete a personal financial statement and verify your income with documents such as a W-2 form, 1099 form or pay stubs. Additional requirements may vary based on loan size and other factors.
A few financial insights for your life
Normal credit approval applies.
One home improvement loan per customer.
Some restrictions apply.
Terms and conditions subject to change.
To qualify for as low as annual percentage rate (APR) of 3.69% assumes a discount for autodraft from a First Citizens checking account, an excellent credit score and amortized over 36 months. Other terms are available at different rates. Non-promo APRs range from 3.69% to 4.83% APR and include a $75 origination fee. APR calculation assumes loan amount of $25,000. Loans are available in amounts from $10,000 to $50,000. Term lengths of up to 84 months available. Borrower affirms that proceeds of the home improvement loan will be used for improvements to the borrower's primary or secondary residence.
An example of a typical extension of credit for a home improvement loan is as follows: An amount financed of $25,000 with a term of 60 months and an origination fee of $75 with an APR of 4.12%. The borrower will make 60 monthly payments of $460.
Disbursement of loan funds requires an approved application, signed loan agreement and customer's funding preference. Funding should generally be completed on the same day or next business day once the application is taken. Approval process may take longer if additional documents are needed. Availability of funds may take longer if funds are deposited into an account at another financial institution.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.