Unsecured Home Improvement Loan & Line of Credit

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Unsecured Home Improvement Loan
As low as 9.64%

APR1

Up to 36 months

​​​​​​​​​​​​​​
Unsecured Home Improvement Loan
As low as 10.64%

APR1

Up to 60 months

Upgrade your home without touching your equity.

It’s almost like a magic wand. With BCU’s new loan option, you can use an Unsecured Home Improvement Loan or Line of Credit to quickly and easily secure funds up to $50,000. Build your home’s value without having to use its equity as collateral. Better yet, there are no fees associated with applying. Ta-da!

Clock

Fast Approval

money with an arrow pointing down

Quick Funds

paper with a circle and x in it

No Collateral

checkmark in a circle

No Application Fees

Your options abound.


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Get approved with ease.

Borrow up to $50K with just four steps. And if you’re already a BCU member, make that three! 


Here’s how to qualify:

#1 icon

Be a member of BCU

#2 icon

Apply and Confirm Home Ownership

#3 icon

Get Approved

#4 icon

Receive funds and start your project!

See how the options stack up.



Unsecured Home
Improvement Loan
Unsecured Home
Improvement Line
of Credit
Home Equity
Line of Credit
Personal
Loan

APR
9.64% - 21.64%
Variable
9.99% - 16.25%2
Variable
7.75% - 12.50%3
10.14% - 24.40%
Max Term
60 months
Revolving
Revolving
60 months
Collateral
Required
No
No
Yes
(minimum $20k)
No
Home Ownership
Required
Yes
Yes
Yes
No
Est. Loan
Turn-around
Same day - next day
Same day - next day
30 days
Same day - next day
  • Disclosure

    ​​​​​​​​​​​​​​

    APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes an automatic payment method, a loan term up to 36 months and includes a 0.50% Rewards Rate discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any BCU Loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards Rate discount cannot be applied to Credit Cards, Stock, CD and Deposit Secured Lines of Credit. Opting out of automatic payment results in a 2.50% interest rate increase. All rates are subject to credit verification and approval. The rates shown are the lowest available and your rate may be higher. An example of typical payment terms are as follows: an amount financed of $10,000 with a 13.14% APR and a term of 60 months would have a monthly payment of $230.73.


    2 HELOC APR APR = Annual Percentage Rate. Rates subject to change. The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR is subject to change each time there is a change in the Index and will be effective on the first day of each calendar month. The APR will be calculated each month by adding a margin between +1.75% and +8.25% to the Prime Rate and is based on the credit profile. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). Rate includes a 0.50% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval.

    3 Personal Loan APR APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method, a loan term up to 36 months and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $1,000 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 14.50% and a term of 60 months would have a monthly payment of $178.58.

     




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