Home Improvement Loans

Big plans for your home? We’ve got the financing to match

Picture a cozy new bedroom suite, a fresh nursery, a kitchen with shiny new appliances or a full-house paint refresh. From top to bottom, inside and out, there’s no shortage of ways to upgrade the home you love. Our Home Improvement Loans make it easier to bring those ideas to life, with affordable options and friendly support to help you get it done.

Home Improvement Personal Loan

If you’re planning updates, repairs or upgrades to the place you call home, a home improvement loan can help make it happen. It’s a simple way to fund projects now and enjoy the results right away.

• Borrow up to $25,000 for eligible home improvement projects
• Designed for owner occupied properties
• Fixed payments make it easy to budget and plan

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Easy financing for your home renovation

Ideal Credit Union has partnered with RenoFi to help you get more funding and lower monthly payments for your renovation. Once approved, you receive 100% of your funds up front - no inspections, no draws - so you and your contractor can get started right away.

Why choose RenoFI Loans?
Pick between a flexible HELOC or a fixed-rate loan
Borrow up to 125% of your home’s pre-renovation value
Choose a HELOC with a 10-year draw and up to 15-year repayment, or a fixed-rate loan with terms up to 20 years
No penalties if you pay off early

RenoFi

Plan your renovation with confidence

Get expert design help over Zoom, including 3D concepts and cost estimates to share with contractors. Start with a free consultation and explore what’s possible for your project.

RenoFi Design

No home equity? That's no problem.

Our No Equity Home Improvement Loan is designed for homeowners who need renovation funds but haven't built up enough equity to work with. Borrow up to $25,000 for upgrades like a new driveway, bathroom or backyard deck, as well as smaller projects like new flooring or paint.

This is an unsecured loan, so you don't need to put up collateral to get approved
Fixed rates as low as 10.74% APR* means that more money is going to your project and less to interest payments
You can even use this loan to finance the purchase of new appliances
With up to 6 years to repay your loan, there's less impact on your monthly budget

Disclaimers

© 2026 Renovation Finance LLC DBA RenoFi Licensing - NMLS # 1802847
RenoFi Design is a design service offered by RenoFi. RenoFi is a financial technology company that works with lending partners to offer financing options for home renovation projects. RenoFi is a broker; loans underwritten and funded by third party lenders. Not all borrowers or property types qualify. Terms apply. RenoFi operates as Renovation Technologies Holdings Inc. in California (NMLS # 2412747), Renovation Technologies LLC in Nebraska, and RenoFi LLC in New Mexico.

*APR = Annual Percentage Rate. Maximum loan amount is $25,000. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan with a term of 5 years at 9.74% APR, monthly payments would be $527.99 based on $25,000 borrowed. Home Improvement loan promotional rate runs from 5/1/2025 thru 7/31/2025 and loan must close by 9/29/2025.