home improvement loan rates

Home improvement loans are a great solution for financing any upgrades or projects for your home. AmeriFirst Finance offers a variety of options in a range of loan amounts and home improvement loan rates to help you complete your project. Below are the rates and terms for our Direct to Consumer loans. For contractor programs, please view our home improvement financing programs.


Max Loan Amt: $80,000**
Max Term: 180 Months
Min Loan Amt: $2,000
Rate: 7.74% – 8.74%***


Max Loan Amt: $80,000**
Max Term: 180 Months
Min Loan Amt: $2,000
Rate: 10.74% – 11.74%***


Max Loan Amt: $70,000**
Max Term: 180 Months
Min Loan Amt: $2,000
Rate: 12.99% – 14.49%***


Max Loan Amt: $60,000**
Max Term: 144 Months
Min Loan Amt: $2,000
Rate: 15.99% – 17.49%***


Max Loan Amt: $50,000**
Max Term: 120 Months
Min Loan Amt: $2,000
Rate: 18.74%***

Rates and terms are based on FICO score

**Required Minimum Monthly Payment of $99

***Rates include a discount for setting up ACH payments

What’s The Best Loan For Home Improvement Projects?

Although a personal unsecured home improvement loan is the most viable option for most borrowers, there are other choices available. The most common are a home equity loan and a home equity line of credit (HELOC). A home equity loan serves as a second mortgage, where you use your home as collateral against the loan. You borrow the entire amount of equity available in your home when you obtain this type of funding. A HELOC offers more flexibility, as you can choose how much money to borrow, although it still relies on equity as collateral.

Home equity lines of credit frequently aren’t the most desirable method for many homeowners. One reason is they rely on existing equity in the home. Depending on the market, what you owe on your current mortgage and other factors outside of your control, both home equity loans and HELOCs can be undesirable or out of reach, and overall not in the best interest of the borrower.

On the other hand, home improvement loans are personal loans that are unsecured, and only use your creditworthiness to determine if you’re eligible. AmeriFirst offers competitive rates, flexible terms and varying amounts to ensure that every approved borrower can gain access to as much or as little funding as they need for their project.

How Much Can I Get For A Home Improvement Loan?

AmeriFirst Finance offers home owners loans anywhere between $2,000 and $80,000 with payment terms up to 180 months. The maximum loan amount for an individual will very based on credit score. We take many factors into consideration in order to give you the lowest rate possible.