Home Improvement Loan

Make your home better in any way you can imagine — from remodeling to landscaping — with a Credit Human Home Improvement Loan.

  • Low, fixed interest rates
  • Terms up to 20 years
  • No prepayment penalties
  • Easy online access
  • Convenient online application

Note: If you are looking for more ways to afford home improvements, consider our Home Equity Loan.

Apply for Great Rates and Terms

We can help you finance — or refinance — a new or used home. Whether purchasing a home for the first time or refinancing a single family residence you already own, we have competitive fixed rates and flexible terms up to 30 years on a minimum loan amount of $15,000. There are never penalties for early repayment!

Ready to Apply? If you are a Credit Human member, fill out our easy online loan application and choose Home Purchase or Refinance Loan. If you are not yet a member, learn about how you can join us!

Learn more about what you need to begin the loan process. (PDF)

apply now

Easy Online Access

When you have a Home Improvement Loan with Credit Human, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more — when you sign up for online banking. You can even set up automatic loan payments from your Credit Human checking or savings account for the ultimate in convenience.

Learn More: Find out more about online banking and how you can sign up to manage your Credit Human Home Improvement Loan as well as your other Credit Human accounts.

Join Credit Human and become a member today

Home Equity Loan

If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

My Generation Checking

Want an account that works harder for you without monthly fees? Meet four simple requirements to earn a special, high dividend rate and skip ATM fees.

Home Improvement Rates

TermRates as low asAPR as low asMinimum Loan AmountMaximum Loan Amount
5 years4.125%4.441%$15,000$350,000
7 years4.375%4.612%$15,000$350,000
10 years4.750%4.929%$15,000$350,000
15 years5.125%5.256%$15,000$350,000
20 years5.375%5.482%$15,000$350,000

Rates are effective as of 10/18/17

Credit Human lending area includes Bexar County and contiguous counties (Atascosa, Bandera, Guadalupe, Kendall, Kerr, Medina and Wilson) and Harris County and contiguous counties (Brazoria, Chambers, Fort Bend, Galveston, Liberty, Montgomery and Waller).  Rates are subject to change without notice. Rates can 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. For that reason, your APR is usually higher than your interest rate.  Loans above 80% Loan-To-Value ratio may require mortgage insurance. Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.