Comparing Home Improvement Loans
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Research and articles related to home renovations

Financial Advice


Articles and research about improving your home

Research and articles related to home renovations

Financial Advice


Articles and research about improving your home

Comparing Home Improvement Loans

Published April 15, 2015 | Updated April 22, 2015

Home Improvement Loans: What Are My Options?

Whether your home improvement plans are large, small, short-term, or ongoing, Amplify Credit Union offers several options for home improvement loans to suit your needs, even if you don’t have available equity in your home.

If you recently purchased your home and are looking to make home improvements, Amplify’s Homeowner Express Loan may be a great fit for you. With no equity or lien requirements, these personal loans for homeowners offer low, fixed rates and the flexibility you need for your home improvement projects.

If you have available equity in your home, or if you are looking to combine your mortgage balance with your home improvement costs, a Home Equity Loan or Home Equity Line of Credit will offer you even lower rates and longer terms. Equity Loans take longer to fund than Express Loans, so you may want to consider using an Express Loan as a bridge loan until your Equity Loan funds.

Compare Home Improvement Loans

Whether your home improvements are small or large scale, or whether you need your funds all at once or on an ongoing basis, Amplify has financing options to suit your needs. Compare all of Amplify's home improvement loans below.

Benefits & Features Ideal If You...

Home Equity Loan

Funds available as lump sum, and has fixed interest rate with same monthly payment for entire term

  • Fixed interest rate
  • Fixed payments for entire loan term
  • 5, 10, 15, or 20 year term available
  • Interest may be tax deductible*
  • Want to make the same payment every month for the term of the loan
  • Want your funds as a one-time lump sum
  • Are doing a large-scale project
  • Want the lowest rate or lowest payment available

Homeowner Express Loan

Unsecured loan or line of credit option for homeowners that need their funds fast or need to supplement their home equity funds

  • No home equity required
  • No property lien required
  • Up to $40,000 available in 24 hours
  • Available in a 5-year term
  • No closing costs
  • Need the funds quickly
  • Don’t have enough home equity to get the home equity loan you want
  • Already have a home equity loan and need additional funds

*Interest paid toward a Home Equity Loan may be tax deductible. Consult your tax advisor for details.

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