Home Improvement Loan

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Let's get this project started. Our low rates give you a lot to build on.

A new master bedroom. A modern kitchen. A family-friendly outdoor deck. Whether you're going to build it yourself or hire professionals, big upgrades can cost some serious coin. So when you've nailed down your plans, come see MECU about a low-cost loan that can make any type of home improvement possible.
Fixed rates lower than most unsecured personal loans and credit cards
Loans up to $25,000 with flexible repayment terms*
No equity, appraisal or third-party inspections required

The best tool for the job? The loan that lets you do it right.

Have you paid down your mortgage enough to build up a lot of home equity? If not, many lenders won't green light a loan. We're different. Whether you need to replace windows or a roof, or have even bolder ideas, MECU offers Baltimore-area families affordable home improvement loans that don't require equity or other collateral.
  • Enjoy the stability of a fixed rate, fixed term and fixed payment
  • No equity, appraisal or third-party inspections required
  • Protect your credit rating and loan with Payment Protection
Other terms and conditions may apply. Your maximum loan amount may be lower depending on your credit score. All borrowers on the loan must have ownership interest in the property address, occupy the property and loan funds must be used for home improvements on the same property. A bid/material list will be required. Mobile, seasonal and secondary homes are ineligible property types. Subject to credit approval and membership eligibility. View rates and payment examples.