Unsecured Home Improvement Loan

Our partnership with Crystal Exteriors allows you to get prequalified in minutes with zero impact to your credit score.

This unsecured loan (no lien) offers a flexible, fast and efficient financing option without using your home’s equity. Preserve your savings and avoid a second mortgage on your home. This means no need for appraisals or extensive paperwork and you can receive your funds faster. Lastly, our prequalification application allows your to see your loan options in minutes without impacting your credit.

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Fast, Simple Financing For Your Home Improvement Project


Fixed-Rate Unsecured Home Improvement Loan 

  • Get prequalified in minutes with no impact to your credit

  • Not secured by your home, no appraisal required

  • No origination fees or closing costs

  • Fixed rate loan as low as 7.74% APR*

  • Amounts from $250 up to $125,000

  • Terms up to 20 years

Rates, Amounts & Terms

Rates and terms as of 03/01/2026. All USSFCU loan rates are capped at a maximum of 18.00%
Terms Loan Amounts APR* Estimated Monthly Payment
Up to 60 Months (5 Years) Minimum: $250
Maximum: $125,000
7.74% $503.80+
Up to 120 Months (10 Years) Minimum: $250
Maximum: $125,000
8.24% $306.50+
Up to 180 Months (15 Years) Minimum: $250
Maximum: $125,000
8.49% $246.04+
Up to 240 Months (20 Years) Minimum: $250
Maximum: $125,000
9.49% $232.87+

 

*APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate.

+Monthly payment amount based on an original loan amount of $25,000 and the maximum number of months per term tier.

Explore Our Competitive Loan Solutions

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Unsecured Home Loan

Whether you need cash to keep your project moving or simply prefer not to use your savings, this unsecured home loan can be a smart option. Because it is not tied to the equity you have in your home, you avoid many of the traditional delays, appraisals, and extra paperwork—so you can access the funds you need more quickly and with less hassle.

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Flexible Loan Amounts

With loan amounts from $250 to $125,000, we can support everything from quick fixes and small upgrades to major renovations and full home improvement projects. Whether you are refreshing a single room or transforming your entire home, you can borrow the amount that fits your budget and your plans.

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Tiered Rates and Terms

Whether you plan to repay your loan quickly and simply need funds to bring your project across the finish line, or prefer to give yourself more time and pay it down gradually, we understand both approaches. That is why we offer terms ranging up to 240 months, with competitive rates significantly less than what you could pay for some credit cards.

Frequently Asked Questions


Get answers to your questions about membership and home improvement financing.

 We understand you may have questions about joining USSFCU, our home improvement loan options, and application requirements. Find the information you need below to help make informed decisions about your membership and financing needs. Can't find what you're looking for? Contact our member service team for personalized assistance.