Personal Home Improvement Loans

Personal Home Improvement Loans

Fast, Flexible Financing—No Home Equity Needed

No appraisals. No equity requirements. No risk to your home.

Take on your next home project with ease. Our unsecured Personal Home Improvement Loan gives you quick access to funds—without tying your loan to your property. Whether you're renovating, repairing, or refreshing your space, enjoy fixed rates, faster approval, and predictable monthly payments.

Key Benefits:

A fast, flexible way to finance home projects—without putting your property on the line.

  • No collateral required – your home isn’t tied to the loan

  • No home equity needed – ideal for newer homeowners

  • No appraisal or closing costs – keep things simple and affordable

  • Fixed rates and terms – predictable payments you can plan around

  • Fast approval – less paperwork, quicker access to funds

  • Optional Debt Protection – added coverage for life’s what-ifs

Great for Projects Like:

  • Kitchen and bathroom remodels

  • HVAC systems, roofing, or appliance upgrades

  • Interior improvements like painting, flooring, or deck installations

  • Landscaping, fencing, or energy-efficient updates

Ready to Apply?

Getting started is simple:

  1. Click Apply Now and choose Home Improvement as your loan purpose
  2. Or log in to myUSSFCU Online or Mobile Banking and select:
    → Apply for a Loan → Personal Loans → Home Improvement
  3. Prefer to speak with someone? Call 800.374.2758 (Option 4) to connect with our Lending Team.
Apply Now

Not sure if this loan is the right fit? Whether you need fast, no-collateral funding or prefer more borrowing power and long-term flexibility, we’ve got options to match your goals.

Feature Personal Home Loan (Unsecured) Home Equity Loan (Secured) HELOC (Secured)
Collateral Required No – your home is not tied to the loan Yes – your home secures the loan Yes – your home secures the line of credit
Home Equity Needed Not required Required – based on available equity Required – based on available equity
Appraisal Required No Typically required Typically required
Closing Costs None May apply May apply
Approval Time Fast – minimal documentation Longer – includes appraisal and processing Longer – includes appraisal and processing
Best For Quick fixes, repairs, moderate upgrades Large, one-time renovation projects Ongoing or phased projects with flexible access
Get Started Apply Now Explore Home Equity Loans Learn About HELOCs

All loans are subject to credit approval. Rates and terms depend on individual creditworthiness and income. A contractor’s estimate, bid, or itemized material list may be required prior to funding. Optional Debt Protection is available for purchase and is not required for loan approval.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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