Home Improvement Rates As Low As
APR Effective 12/1/2025*
9.24
%
APR
Home Improvement Loan
*See important information about rates, fees and other costs
Special Home Improvement Loan Rates
Looking for competitive rates on a home improvement loan?* Apply today for a 0.25% rate discount. Rates now range from 9.24%-19.99% APR.** Offer ends Dec. 31, 2025.
Remodel Your Home With a Personal Home Improvement Loan
Whether you're tackling a full-scale home renovation or a small upgrade to your living space, BECU personal home improvement loans are designed to meet your needs. Use a home improvement loan to finance your next home remodel project — from bathrooms to kitchens, roof repairs and more. Plus, enjoy a fixed interest rate with predictable payments and no collateral requirements.
Finance Home Improvement Projects
Personal home improvement loans are ideal if you're looking to upgrade your home without using equity, dipping into your savings or taking out a line of credit. Examples of home improvement projects include:
Heat pumps. Solar panels. Window replacements.
Cabinetry. Countertops. Tile. Plumbing Fixtures.
Decks. Fencing. Landscaping. Outdoor kitchens.
New roofing. Siding. Paint. Gutter replacement.
Compare Home Renovation Loan Options
Not sure which financing option is right for you? Compare a home equity loan, unsecured home improvement loan, or even a credit card with a balance transfer offer to find the best path forward. Each has different advantages when it comes to the approval process, borrowing limits and rates. Use this guide to determine whether a home improvement loan or alternative financing may be right for your home renovation project.
| Best For | Borrowing Amount | Collateral | Rate Type | |
|---|---|---|---|---|
| Home improvement loan |
Unsecured renovations or quick fixes
|
Up to $35,000
|
No
|
Fixed
|
| Home equity line of credit (HELOC) |
Ongoing large-scale projects
|
Up to 80% of a home's equity
|
Yes
|
Variable
|
| Credit Card |
Small emergency purchases
|
Depends on credit limit
|
No
|
Variable
|
Benefits of BECU Home Improvement Loans
- No equity required: Access financing without tapping into your home's value.
- Fixed interest rates: Make predictable monthly payments with no surprises.
- Fast funding: Get funds quickly to start your renovation project.
- No prepayment penalties: Pay off your loan early without fees.
- Trusted local lender: We're a member-owned credit union that prioritizes your financial wellness and the financial well-being of our communities.
How Much Can I Borrow for Home Improvements?
The amount you can borrow with a BECU home improvement loan depends on the type of loan you choose and your credit. Our unsecured personal loans for home improvement projects typically allow you to borrow up to $35,000 with no collateral or home equity required, offer fixed interest rates, and typically range from 12-72 month borrowing periods** depending on your loan amount and credit qualifications.
If your home renovation project requires more substantial funding, you may want to explore a home equity line of credit, or cash out refinance mortgage, which can provide larger loan amounts based on your home's value.
Eligibility for a Home Improvement Loan
To qualify for a home improvement loan, you'll need to meet basic credit and income criteria based on your credit score and current debt obligations. You must also meet standard BECU membership requirements.
There's no need for a home appraisal or equity check, making it a faster and more accessible alternative to a home equity loan or cash out refinance. The streamlined approval process means you could get funding quickly to start your home renovation project. We recommend checking your credit report and gathering any income verification documents before you apply.
How to Apply for a Home Improvement Loan
- Choose your loan type: Decide whether a home improvement loan, home equity or line of credit makes the most sense for your project.
- Complete your application: Apply online, via Video Banking or at your local Neighborhood Financial Center.
- Submit your application: Provide basic information, your desired loan amount and income documentation.
- Receive a response: If approved, your home improvement loan may be funded as soon as the same day.
Home Improvement Loan FAQs
A home improvement loan does not use your home as collateral while a home equity line of credit (HELOC) is borrowed against your home's equity. Because of this, home improvement loans have a loan maximum of $35,000 compared to HELOCs — that can range from $25,000 to $500,000.
You can borrow up to $35,000. However, the amount of money that you're eligible to borrow will depend on several factors, including your credit history and debt-to-income ratio.
BECU home improvement loans are unsecured, meaning you don't have to use your house or any other asset as collateral to get the loan.
BECU home improvement loans come with several cost-saving benefits, including no origination fee, no closing costs, no appraisal required, and no home equity required.
You can use your loan to fund energy-efficient upgrades, kitchen and bath remodels, outdoor living spaces and more.
Application timing varies by application, but in some cases, your loan could be approved and disbursed the same day.
Yes. New windows and doors, better insulation, new HVAC, replacing less efficient appliances or installing solar panels are a few examples of projects you can finance using your home remodel loan.
BECU home improvement loans are fixed-rate loans, meaning your interest stays the same for the entire life of the loan and your monthly payments won't change. BECU does not offer variable-rate home improvement loans.
A personal home improvement loan is unsecured and doesn't require home equity, while a HELOC is secured by your home and allows you to borrow as needed. Personal home improvement loans typically have fixed rates and set terms, whereas HELOCs offer flexible access to funds with variable rates and higher borrowing limits.
Yes. Additionally, you will not be penalized or incur fees for paying your loan off early.
Start Your Home Project With Confidence
Whether you're ready to apply or just exploring your options, BECU loan specialists can help you choose the right financing for your project.
Submit Your Application
- Already a member? Log in and apply online for fast approval and funding.
- Not a member yet? Join BECU and apply in the same step.
Get Professional Guidance
- Call 844-BECULOAN (844-232-8562) to speak with a home improvement loan specialist who can walk you through rates, terms, and eligibility.
- Schedule an appointment via Video Banking or an in-person visit at your Neighborhood Financial Center to review your project and compare options.
Why Contact Us Before You Start Your Project?
- Get a personalized estimate of how much you can borrow.
- Understand the difference between a personal home improvement loan, HELOC, or other financing options.
- Learn how to structure your loan for predictable payments and no prepayment penalties.
Related Home Renovation Resources
*Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term and loan amount) and may be higher than the lowest rates advertised. Loan program offered including rates, terms, and conditions are subject to change without notice.
**Advertised APR in effect as of 10/31/2025 and is based on a BECU member with an excellent credit score and a loan amount of $5,000 or greater. Actual APR will be based on applicant creditworthiness, loan amount, and loan term and may be higher than the lowest rate advertised above. Loan program offered including rates, terms, and conditions are subject to change without notice. Payment example for a 4-year, $25,000 loan with an interest rate of 9.24%, the APR would be 9.24% APR with monthly payments of $624.98.
A member may have more than one home improvement loan at one time, subject to credit approval and unsecured aggregate maximums.
Boeing Employees' Credit Union NMLS ID 490518.