home improvement loans

Home Improvement Financing Made Simple

To keep your home in terrific condition and protect your investment, the reality is that home repairs, remodels and upgrades will arise inevitably at some point. That’s where home improvements loans can be a saving grace, making these often unexpected, albeit necessary, costs possible. AmeriFirst Finance offers a variety of options in a range of loan amounts to ensure that you can complete your project, no matter which size. 

Variety isn’t the only benefit of working with AmeriFirst Finance for your home improvement financing, there are many reasons why homeowners rely on us when they need to fund a project. Whether you need $2,000 or $80,000 you’ll find loan options with flexible terms and competitive rates that will fit your budget and requirements.

Easy online applications and quick funding.

The process to apply for a home improvement loan has never been easier. AmeriFirst is an online lender, which means that you can complete the whole application  process from the comfort of your home.  Simply answer a few questions about your financial situation and credit history and submit your application. That’s it. We handle the rest.

Finance your home improvement project without a home equity loan.

Home improvement loans with AmeriFirst offer lines of credit to borrowers based on your creditworthiness rather than relying on the existing equity in your home as collateral. Personal loans are often preferred because they aren’t home equity loans or a home equity line of credit (HELOCs), which rely on equity and can come with variable interest rates and are influenced by market pricing and rates.

Low, fixed rates with flexible terms.

A home improvement loan with AmeriFirst offers a fixed interest rate with low APRs for borrowers with good credit history. So you’ll have the peace of mind that your rate will never change during the life of your loan.

Make your monthly payments online.

The convenience doesn’t stop at the application process. Make your monthly loan payments online by simply logging into the AmeriFirst Direct Portal

Frequently Asked Questions About Home Improvement Loans

What Is A Home Improvement Loan?

A home improvement loan is a personal line of credit that is approved based on credit history and score. This type of loan is often used for a major home repair, remodeling projects or minor home improvements. Whether repairing water damage, full roof replacements or a kitchen remodel, borrowers rely on home improvement loans to access the necessary funds to make the projects possible. 

Should I Get a Personal Loan For Home Improvements?

Personal loans are different from HELOCs or second mortgages because you don’t have to leverage your home’s equity to access funds. Choosing to use a personal loan over the alternatives ensures that you can make the necessary repairs without tapping into your home’s value or being held to the mercy of the existing market rates and prices. 

How Do You Get Financing For Home Improvements?

Asking your self how to get a home improvement loan? Obtaining financing by way of an home improvement loan with AmeriFirst is as easy as answering a few simple questions. The seamless process can be completed entirely online and is both stress free and easy. 

How Much Money Will I Need For My Home Improvement Project?

According to the U.S. Census Bureau’s American Housing Survey, homeowners spent over $18,000 in home improvement and renovation projects in 2019. Each type of project comes with its own set of challenges and costs, but it’s smart to budget accordingly based on what you intend on improving or remodeling. On average, kitchen remodels cost up to $75,000 while a bathroom remodel topped out around $24,000. Roof replacements come in at around $8,000, adding a pool at around $15,000 and landscaping improvements at $2,700. 

AmeriFirst offers home improvement loans for as little as $2,000 all the way up to $80,000 to ensure your project is covered, no matter the size or scope. 

What Credit Score Is Needed for a Home Improvement Loan?

Unlike different types of funding, home improvement loans are based on credit score rather than home equity or other factors outside of your control. With AmeriFirst, the interest rate attached to your personal loan will be determined by your creditworthiness, and you’re protected from discrimination. Answer a few simple questions to see if you qualify for an AmeriFirst home improvement loan. Beyond flexibility and a seamless application process, AmeriFirst Finance offers competitive rates and terms on personal loans. Apply for a loan today to get your home improvement projects rolling.