Home Improvement Loans

Quickly get funds to remodel or repair your home

Quick & Simple

Enjoy the convenience of a faster loan process.

Fast Funding

Access funds typically by the next day after approval.D

No Collateral

You won't need equity for this home improvement loan.

Great rates with low closing costs

Interest rates as low as 4.49% 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
4.49% APRD


Designed for your convenience

Quickly unlock funds to use for home renovations, remodeling, repairs, additions or improvements.

  • Fast, easy application with low origination fees
  • Fixed rates and monthly payments with terms up to 7 yearsD
  • Loan amounts ranging from $10,000 up to $75,000
  • No collateral required and no home equity needed
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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 $75,000.

You can borrow any amount between $10,000 and $75,000.

To qualify for a home loan, you'll need to complete an application with the following information:

  • Name
  • 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

No results found

Normal credit approval applies.

One home improvement loan per customer.

Some restrictions apply.

Terms and conditions subject to change.

Annual Percentage Rate (APR) 4.49% as of Jun 29, 2022, to applicants with an excellent credit score, for a fixed-rate Home Improvement Loan amortized over 36 months, and includes a discount for autodraft from a First Citizens checking account. APR is based upon a rate of 4.39% and an origination fee of $75. Borrower affirms that proceeds of the Home Improvement Loan will be used for improvements to the borrower's primary or secondary residence.

For example: a Home Improvement Loan with an amount financed of $50,000 at a 4.39% fixed rate and including a $75 origination fee would have an APR of 4.49% and you would make 36 payments of $1,485 and pay total interest of $3,456. Current APRs range from 4.46% to 5.67% APR. Loans are available in the amounts of $10,000 to $75,000. Terms lengths of up to 84 months available.

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.

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