Home Improvement Loan

No Equity? No Problem.

Home Improvement Loan

Quick Funds for Renovations & Appliances

The No Equity Home Improvement Loan is perfect for homeowners who need quick funds for renovations or new appliances but don't have equity in their home to work with. This loan could cover expenses like:

  • New appliances - furnace, air conditioner, washer/dryer, refrigerator, etc.
  • New carpeting or flooring
  • Larger projects such as a new kitchen, bathroom, deck, or gazebo
  • Materials such as paint, wood, drywall and more

Loan Terms:

  • Unsecured
  • 7.50% APR* fixed rate
  • $25,000 maximum loan amount
  • Terms up to 5 years
  • 680 Minimum credit score required

Apply Online

*APR=Annual Percentage Rate. Maximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan for $25,000 with a term of 5 years at 7.50% APR, monthly payments would be $500.95.

Ideal Home Equity

2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.