is a division of South Central Bank, N.A. (, which is a national bank regulated by the Comptroller of the Currency. We have specialized in providing home improvement financing since 1965 and we have several branch locations in Chicago. We offer both Conventional and FHA Title I Home Improvement Loans, which allows us to approve more loans for homeowners like you. Our goal is to provide reasonable loan rates to homeowners with fairly good credit, even if the homeowners have no equity.

Do you want an addition or to renovate your basement? Need to repair your roof? Would you like to remodel you bathroom or kitchen? We can help you make projects like these affordable with a monthly payment that fits your budget. We originate home improvement loans directly to homeowners in three states (currently Illinois, Indiana, and Wisconsin). So, if you reside in one of these states and would like a loan to remodel your home, apply online at or by mail. There is no cost to apply to see if you qualify for a loan. There is also no obligation for you to sign any loan forms if you are not fully satisfied with the loan terms you do qualify for. At any time, should you not wish to go forward with your loan request, you may cancel without cost.

Note to Contractors only: In addition to direct loans we offer straight to homeowners, South Central Bank also originates indirect loans (which are loan applications submitted to us by Bank-Approved Contractors). Contractors that become Bank-Approved may offer indirect, in-home financing to their customers on the initial sales call. Such indirect loans are available in 14 states (in the Mid-West and Mid-Atlantic regions) with higher loan limits as compared to direct loans. Contractors should visit if interested in applying (which is free) to become a Bank-Approved Contractor.

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