800-688-7228 Routing #314088284
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800-688-7228 Routing #314088284
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Home Improvement

Your home should evolve with your needs. Home improvement loans give you the ability to invest in repairs or upgrades without losing sight of your financial health. It’s a way to improve your space while maintaining balance and control over your finances.
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Quick Facts

Give your home the love it needs

If you’re a homeowner looking to make some upgrades, you can complete your project with a Credit Human home improvement loan. We’re here to take the stress out of the home loan process. Improving the value of your home is just one more way to maintain financial slack and reach your goals.

  • Quick access to funds
  • Low, fixed interest rates
  • Terms up to 20 years
  • Convenient online application
  • Available in Texas, Louisiana, Colorado and North Carolina
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Finance your home improvement project with Credit Human

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FAQ

Home improvement loan frequently asked questions

Take a look at the most common questions we get about our Home Improvement loans. If you have more general questions, or you’re looking for support options, check out our support center.

See more FAQs in our support center
How do I make a payment on my home loan?

Home loan payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments
  • By mail
  • Over the phone ($10 may apply)
  • In person at a Credit Human location or ITM

See more FAQs for details specific to your loan type.

Can my Home Improvement loan be used to consolidate debt?
Home Improvement loans are designed to help you upgrade or repair your home. If you are interested in consolidating debt, please speak with your loan advisor or visit one of our Financial Health Centers to discuss your options.
Who gets the money from my Home Improvement loan?
Your Home Improvement loan will be paid directly to your contractor. Your loan advisor can give you specific details.
What is the difference between a Home Equity loan and a Home Improvement loan?

While home equity loan funds are paid to the homeowner and can be used for almost any purpose, Home Improvement loans must be used to remodel or repair your home.

When you take out a Home Improvement loan the funds are paid directly to your contractor or installer.

Home improvement loan rates

Rates effective as of 08-18-2026

Term Rates as low as Minimum loan Maximum loan APR as low as
20 years 7.18% $15,000 $350,000 7.31%

Disclosures

Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees and other charges that you have to pay to get the loan. - Disclosed rates are based on a $175,000 loan amount, FICO of 740+ with a maximum loan-to-value of 80%. - Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms. Credit Human isn’t just another financial institution. We’re a credit union tht cares about the financial wellbeing of our members, their communities, and the environments they live in.