家装贷款

Both provide you with cash for a home improvement project and can be a good option if you don’t have sufficient equity in your home to qualify for a home equity option. The key difference is a secured loan is guaranteed by collateral (your home), and an unsecured loan is not protected by any collateral.

有抵押房屋改善贷款

A secured home improvement loan is connected to a piece of collateral—in this case, your home. 有担保的贷款, 你可以借更多的钱, up to 133% of the current value of your home (not to exceed $250,000). Secured loans also typically have lower interest rates than unsecured loans and can be easier to get if you need to rebuild your credit. If you do not repay the loan as agreed, the lender can take possession of the collateral. 

无担保房屋改善贷款

An unsecured home improvement loan is not tied to collateral. It may be a good option if you have a high credit rating. If you qualify, you may borrow up to $25,000.

Use the chart below to determine which is better for your needs. 一如既往地, your support team at 元素 is ready to help you find the product that is best for you—just give us a call at 1-.

As its name implies, a home improvement loan must be used for projects related to your home. 例如, 你想在甲板上加点东西吗, 更新你的厨房, 取代你的篱笆, 或者放在壁炉里? These are the types of projects you could use a home improvement loan for.

开始

• There are no prepayment penalties or an annual fee associated with a home improvement loan. 
• The unsecured home improvement loan has a 140美元的手续费. 
• For a secured home improvement loan, closing fees typically run between $500 and $1,200.

就像银行，只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, 更高的储蓄利率和更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. We come to your workplace to answer questions and can provide you with personalized guidance about your home improvement loan.

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Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally¹. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

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Our technology makes banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

开始

3个简单的步骤

1. 在线申请 - You can apply online in as little as 10 minutes! 随时或致电提交申请 1- 开始. Have ready your government-issued ID (driver’s license, 状态标识, or passport) and estimates of your household income, 资产, 房屋价值和你为你的房子支付的价格.
2. 接受我们的电话- We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
3. 〇安排结束时间 We'll contact you with a decision within 10 business days and schedule a closing at a location convenient to you if approved. 就是这样, your loan can be put to work on your home improvement project!

马上申请