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Unsecured Home Improvement Loans

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  • Unsecured Home Improvement Loans

    With an Unsecured Home Improvement Loan from AFFCU, you have access to great rates, plus, you’ll have set monthly payments with terms up 180 months to make your payments manageable. It’s like turning your dream home into a reality. Renovations can increase your home’s value!


    This loan could cover expenses like new appliances, new carpeting or flooring, larger projects such as a new kitchen, bathroom, deck, or pool, and materials, labor, and other expenses related to your home improvement project.




    *APR= Annual Percentage Rate. APR reflects the interest rate, as well as mortgage fees and other charges you may have to pay to get the loan. Financing available for properties in Texas or Colorado. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rate based on the loan amount and CLTV (combined loan-to-value) ratio. Rate may differ. Rates and terms are subject to change at any time without notice; other restrictions may apply. Maximum CLTV (combined loan-to-value) on primary residences in Colorado up to 100% and 80% in Texas; CLTV on second/vacation homes up to 90%. Borrower may be responsible for additional costs such as origination fee, appraisal fee, credit report, title search, courtesy closing fee, and recording fee. Property insurance is required, including flood insurance where required. Programs, rates, terms and conditions are subject to change without notice.

    • Fixed rate as low as 7.50% APR*
    • Unsecured loan
    • Terms of up to 180 months
    • Loan amounts from $2,500 to $25,000

    “I have been a member as far back as I can remember and have been very satisfied. This week I ran into a problem and the representative went beyond my expectations. I truly appreciate him. Thank you.”

    Mary DeGeus
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    Turn your dream home into a reality.

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  • Type Unsecured Home Improvement Loan Rates

    Rates Effective as of: 12-01-2020
    Term APR1 as low as Monthly Payment2
    Up to 5 years 7.50% $501.08 Contact Us
    Up to 15 years 8.00% $239.03 Contact Us
    Up to 20 years 8.50% $217.08 Contact Us

    1 APR = Annual Percentage Rate as of the effective date and subject to change at any time without notice. Offer of credit is subject to credit approval. Rate is based on term, application and credit history. Programs, rates, terms and conditions are subject to change without notice.

    2 Payment examples based on a $25,000 loan amount. Rate assumes a minimum credit score of 680. Minimum loan amount may apply. Mortgage lending is restricted to properties in Texas, Colorado, Mississippi, Oklahoma, Arkansas, and Louisiana.

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