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.
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No collateral required – your home isn’t tied to the loan
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No home equity needed – ideal for newer homeowners
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No appraisal or closing costs – keep things simple and affordable
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Fixed rates and terms – predictable payments you can plan around
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Fast approval – less paperwork, quicker access to funds
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Optional Debt Protection – added coverage for life’s what-ifs
Great for Projects Like:
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Kitchen and bathroom remodels
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HVAC systems, roofing, or appliance upgrades
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Interior improvements like painting, flooring, or deck installations
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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.
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) |
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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.