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Home Improvement Loan

no equity

Home Improvement Loan

Quick Funds for Renovations & Appliances

The No Equity Home Improvement Loan is perfect for homeowners who need quick funds for renovations or new appliances but don't have equity in their home to work with. This can cover many expenses:

  • Larger projects: new driveway, kitchen, bathroom, deck, or gazebo
  • New appliances: furnace, air conditioner, washer/dryer, refrigerator, etc.
  • New carpeting or flooring
  • Materials such as paint, wood, drywall and more

Loan Terms:

  • Unsecured loan
  • 7.50% APR* fixed rate
  • $25,000 maximum loan amount
  • Terms up to 5 years
  • 680 Minimum credit score required

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*APR=Annual Percentage Rate. Maximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan for $25,000 with a term of 5 years at 7.50% APR, monthly payments would be $500.95.

2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.


President's Day
Monday, February 15th
All locations closed.


Good Friday
Friday, April 12th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 31st
All locations closed.


Independence Day
Sunday, July 4th
All locations closed.


Labor Day
Monday, September 6th
All locations closed.


Columbus Day
Monday, October 11th
All locations closed.


Veterans Day
Thursday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 25th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Friday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Saturday, December 25th
All locations closed.


New Year's Eve
Friday, December 31st
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2021)
Saturday, January 1st
All locations closed