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Home Improvement Loans Built for Every Project

Tackle your next project with a Home Improvement Loan that’s fast, flexible, and unsecured. With no need to use your home as collateral, you can get the funds you need quickly and get started on your upgrades sooner.

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Why Work With Independent Bank for Your Home Improvement Loan?

Competitive Rates

Tackle your home projects with rates lower than most credit cards.

Affordable Payments

Take advantage of loans up to $25,000 and terms up to 10 years.¹

Unsecured Loan

No equity in your home is needed and no appraisal required.²

Digital Closing

Get on your way faster with the option for a same-day³ and/or digital closing.

60-Month With Autopay

10.74%

Rate

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60-Month With Autopay

11.04%

APR

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Home Improvement Loan FAQs

Answers to Common Questions About Home Improvement Loans

What is an unsecured home improvement loan?

An unsecured home improvement loan is a loan that does not require your home or other assets as collateral. You can borrow funds based on your creditworthiness and repay in fixed monthly installments.

What can I use a home improvement loan for?

You can use the funds for almost any home-improvement related expense, including renovations, repairs, or even energy-efficient upgrades.

How do the interest rates compare to secured loans?

Since unsecured loans don’t require collateral, interest rates may be slightly higher than a home equity loan or HELOC. However, they offer a faster process with no risk to your home.

What is the difference between a Home Improvement Loan (HIP) and a HELOC?

A Home Improvement Loan is an unsecured, closed-end loan option specifically for home improvements, whereas a HELOC is an open-end, revolving loan and is secured by the home and can be used for various expenses

1 Borrowers must meet standard credit criteria, including a minimum 680 credit score. Rates subject to change, for additional information about rates, contact your local office. Other terms and restrictions apply. Normal credit and restrictions apply. Offer subject to change or termination.
2 Funds must be used for home improvements. Mobile homes are not eligible for the Home Improvement Program (HIP) loan. Must be an owner occupied primary residence to qualify. Second homes and investment properties are not eligible. Loan includes $175 processing fee.
3 Completed application must be received by 2:00 pm (ET).
* Standard consumer loan underwriting guidelines apply. Annual Percentage Rate (APR). Rate available for well-qualified borrowers. Your rates may vary depending on your specific credit profile. Your rates are variable and subject to change monthly. Your rate will be based on the then-current index and margin.