Loans for Home Improvements

  • Financing for home improvement projects from $3,500 - $50,000
  • No equity required
  • Fixed and affordable monthly payments
  • Loan terms up to 240 months


  • Approval requires good credit
  • Bank will verify ownership of the property being improved
  • Available for homeowners in Illinois, Indiana or Wisconsin

Get Started!

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Complete your loan application in minutes.

  • Your application will not be received or processed until you review your online entries and click "Submit" at the end of your application.
  • If approved, we will contact you in 1-2 business days with loan details (including interest rate & monthly payment) and provide you with a list items you will need to supply (including income proof and a work estimate) before an in-home loan closing may take place.

Items You'll Need

Work estimate (if available) from the contractor you selected. This estimate will include the total cost of your project, your down payment (if any), and a description of the work to be done.

Employer information (including address, phone number, earnings, etc.)

Other sources of income (if any) which are verifiable and received regularly/monthly.

Current mortgage statement.

Paying Your Contractor

After final approval of your loan application and your in-home loan closing, one check (or several checks if you agreed to pay your contractor in stages as the project progresses) will be made jointly payable to you and to your contractor, and these checks will be delivered to your home.

Issuing jointly payable checks ensures that the loan proceeds are only used to finance your remodeling project, and provides reassurance to your contractor that they will be paid according to the terms you both agreed to.

You, the homeowner, are in control of the checks and responsible as to when your contractor receives each check/payment. You will simply sign the back of each check and then hand them to your contractor at the appropriate times.

Your Remodeling Project

Homeowners should select a contractor they feel comfortable with after doing some research. To safeguard yourself, confirm with the contractor they are licensed, bonded, insured, and that it is clear if the contractor or you will be obtaining building permits, if required.

Eligible remodeling projects we finance.

  • Bathroom Renovations
  • Kitchen Remodeling
  • Basement Finishing
  • Roof Replacement
  • Garage Construction
  • Basement Waterproofing
  • Home Additions
  • Home Siding Replacements
  • Soffit and Facia Replacement
  • Gutter Replacement
  • Window Replacement
  • Patio Additions
  • Deck Additions
  • Driveway Renovations
  • Porch replacement
  • Sunrooms and Enclosures
  • Solar installations
  • Room Additions
  • Plumbing repairs
  • Electrical upgrade
  • Flooring installation
  • Tuck-pointing and masonry
  • Fences
  • HVAC systems
  • And many more!