Home Improvement Loan - First Florida Credit Union
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Federally Insured by the NCUA

Give Your Home Project the Go-Ahead

You love taking care of your home, and that’s why we’re offering a simple Home Improvement Loan to help make your vision a reality.

We know it takes time to build equity. That’s why a First Florida Credit Union Home Improvement Loan is an alternative to a traditional Home Equity Loan or Line of Credit.

Our Home Improvement Loan does not require equity or an appraisal and features no closing costs. It works like a personal loan and with a competitive, fixed Annual Percentage Rate.*

A Home Improvement Loan is designed to be a simple way to borrow, specifically for home improvement projects. Features include: 

  • Repayment terms up to 10 years*
  • Minimum loan amount of $10,000 and a maximum of $50,000**
  • Up to 20% of the home’s estimated value may be borrowed
  • All proceeds distributed to the borrower(s) at time of closing (closed-end loan)
  • No lien (a lien is not placed on the property)

A description of the home improvement project and a cost estimate or proposal from a contractor is required at the time of application. 

Apply for a Loan Today!

  • Apply Online
  • By phone – call (800) 766-4328, ext. 1 [in Jacksonville (904) 359-6800, ext. 1]
  • In person — visit a branch near you

*The Annual Percentage Rate (APR) is as low as 6.49%. Your rate may be greater. The APR received is based on the individualized credit history of the borrowers(s) and the specific characteristics of the credit application. The borrower(s) must be the homeowner(s). The loan is designed specifically for home improvement projects.

Payment Examples: A $25,000 Home Improvement Loan with a 10-term and an APR of 6.49% results in a $289.79 principal and interest monthly payment for 120 months. A $25,000 Home Improvement Loan with a 5-term and an APR of 6.49% results in a $489.08 principal and interest monthly payment for 60 months. APRs and other terms are subject to change at any time without prior notice

**A maximum unsecured aggregate policy of $50,000 to any 1 borrower applies.

Based on Zillow estimate.

Membership eligibility applies. A minimum deposit of $5 to a Savings Prime Share Account is required to join.