Home Improvement Loans
Turn your house into your dream home.
We offer loans of up to 133% of the value of your home, as well as unsecured loans that don't require equity at all. Home improvement loans must be used to make repairs or renovations to your home.
Product Options
Borrow up to 133% of your home's value with a term of 5, 10 or 15 years. Maximum loan balance is $250,000.
Get a loan without collateral that's based on your credit rating. Borrow up to $10,000 at a term of 5 or 10 years, or borrow up to $25,000 at a term of 5, 10, or 15 years.
- Your improvements will cost more than the equity in your home.
- You currently don't have any equity.
- You don't want to use your home as collateral for your loan.
- You need to make repairs or updates to your home.
Home Improvement Loan Apply For Home ImprovementEstimate Your Monthly Home Improvement Payment
Terms of 10 and 15 years are available for some types of home improvement loans.
| $0Your Equity | 5 Year Unsecured Level I(60 Month) | 5 Year Unsecured Level II(60 Month) | 5 Year Secured(60 Month) |
|---|---|---|---|
| APR as low as* | 8.50% | 8.00% | 9.00% |
| Loyalty APR as low as* | 8.25% | 7.75% | 8.75% |
| Maximum Loan Amount | $10,000 | $25,000 | $250,000 |
| Payment ExampleBased on a $25,000 dollar loan | $### | $### | $### |
| Fixed Rate |
This is an estimation tool for illustration purposes only. Actual results may vary.
Getting a Home Improvement Loan
STEP 1:
STEP 2:Close Your Loan
Sign final loan documents with standard closing costs of around $275.
STEP 3:Start Spending
For secured loans, you'll receive a lump-sum deposit in the Veridian account you choose. Some loans may be paid directly to contractors.
Rates, Terms & Payment Examples
| $ Your Equity | 5-Year Secured(60 Months) | 5-Year Unsecured Level I(60 Months) | 5-Year Unsecured Level II(60 Months) |
|---|---|---|---|
| APR as low as⥾ | 9.00% | 8.50% | 8.00% |
| Loyalty APR as low as⥾ | 8.75% | 8.25% | 7.75% |
| Maximum Loan Amount | $250,000 | $10,000 | $25,000 |
| Payment ExampleBased on $10,000 loan | $191 | $202 | $199 |
| Fixed Rate |
Terms of 10 and 15 years are available for some types of home improvement loans. See all rates and terms.
Frequently Asked Questions
"Great customer service and products that I've never found anywhere else!"G.W.October 2021
"The whole process was easy and the staff very helpful."D.H.October 2021
"All your staff is very friendly. I recently transferred all my banking to Veridian."J.H.November 2021
"Veridian offers extra programs to meet people’s needs."P.F.November 2021
Are you ready to improve your home?
⥾ APR = Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, loan-to-value ratio and collateral conditions. All loans subject to approval. Additional costs may apply. Home Improvement loans only available in IA, NE and MN for owner-occupied primary residences. Second homes and vacation homes are not eligible. Maximum loan amount $250,000. See Veridian for details.
♦ APR = Annual Percentage Rate. Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Rate fixed for first 60 or 120 months of the 25-year term; after that, the rate is variable and the maximum APR is 21%. Add up to 2.5% to interest rate for home equity lines of credit with loan-to-value ratios over 80% (maximum of 100%). Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. Home equity loans only available in Iowa, Nebraska & Minnesota and do not include escrow. All loans subject to membership and approval. Appraisal fees may apply. See Veridian for details.