Home Improvement Loan

The loan you need to put your home improvement plans into action.


Apply Online Today


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.


A SFCU Home Improvement Loan can help you spruce up your home — whether you need a new hot water heater, new roof, central air conditioner or an upgrade to your kitchen. It's a smart and cost-efficient way to borrow money for a gorgeous home -- and there's no equity required. Your home is your largest investment and to keep it in tip-top shape you need to make home improvements. Borrow exactly what you need when it's needed, with the terms that fit your budget and your timeframe. The amount borrowed can be used for any home improvement. 


Home Improvement Loan


  • Available as an unsecured loan to fit your needs
  • You can update your home now and pay for the improvement on your own time


  • Great low rates
  • Up to a 10-year term
  • Fixed Monthly Payments
  • Not tied to collateral


Apply Online Today


Make an appointment with our team in the branches!

Do you have questions about your account? Do you need to apply for a loan or a credit card? 

If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into a branch. You can avoid waiting in the lobby when you need financial help.

Make an Appointment


Protect your home with homeowners insurance. It's your safe haven. It's where you raise your family and create memories that last a lifetime.

Get a Free Quote

Some of our offerings

Credit Cards

Low interest, rich rewards—your card, your choice.

View rates Apply now

Auto Loans

Great rates, flexible terms, personalized service.

View ratesApply now


Fast, affordable home loans, and help every step of the way.

View ratesApply now