Home Improvement Loans - From Blueprint to Liftoff!
Are you dreaming of a new kitchen, a modern bathroom, or a complete home makeover? Our Home Improvement Loan can help turn any homeowner's dreams into reality.
Home Improvements Are Easier With A Personal Loan
FIXED RATES & MONTHLY PAYMENTS
Lock in a fixed rate and enjoy steady monthly payments through the life of your loan. And no payments are due for 45 days!2
NO HIDDEN FEES
Other lenders' offers come with closing costs and origination, application, or processing fees. This one doesn't.
FAST FUNDING
Once approved, you'll get your money in as little as 2 days.3 Then, enjoy easy access from online or mobile banking.
HOME EQUITY ALTERNATIVE
Kick-start your home renovation without needing a home equity loan or home appraisal.
Loan Features:
- Repayment terms up to 20 years
- Loan amounts from $10,000 to $100,000
- No equity required for Home Improvement Loans up to $30,0004
- All proceeds are distributed to the borrower(s) at the time of closing
- Loan is not secured by a dwelling5
- No pre-payment penalty
Loan Requirements:
- Primary or secondary residence only, no investment properties
- Borrower(s) must be owner(s) of the property6
- A description of the home improvement project and a cost estimate or proposal from a contractor may be required
Effective as of June 1, 2025. Rates and terms subject to change without notice.
| Term | Loan Amount | APR1 as low as |
|---|---|---|
| up to 84 months | $10,000 - $100,000 | 8.49% |
| 85 - 180 months | $20,000 - $100,000 | 8.84% |
| 181- 240 months | $50,000 - $100,000 | 9.34% |
Payment Example: A $50,000 home improvement loan financed with NASA Federal at 9.34% APR for 240 months will have a monthly payment of $460.85.
For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328).
Select to Check Your Rate on a personal loan from NASA Federal Credit Union.
Rate offers may not be available in all instances. This is not a guaranteed offer of credit.
1APR = Annual Percentage Rate. APR is based on the evaluation of creditworthiness. Rates are subject to change at any time without notice. Special offer floor rate is 8.49% APR for up to 84 months and is reserved for highly qualified individuals. The special offer floor rate for terms of 85-180 months is 8.84% APR. Your actual APR may vary. Membership eligibility requirements apply. Subject to credit approval. Maximum aggregate unsecured credit limits cannot exceed $100,000 with NASA Federal Credit Union. This limited-time offer is subject to change at any time without notice.
Payment Example: A $50,000 home improvement loan financed with NASA Federal at 9.34% APR for 240 months will have a monthly payment of $460.85.
2The loan will still accrue interest during the 45-day payment deferral period.
3Funds will be issued upon receipt of all required loan documents.
4Loans greater than $30,000 are limited to a loan-to-value (LTV) ratio of 100% including outstanding loans secured by dwelling.
5A Uniform Commercial Code (UCC) form will be filed for loans greater than $50,000 at origination.
6Borrower(s) must be owner(s) of the property for a minimum of 12 months.
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