Home Improvement Loan

Home is where you make it.

Ready to make some upgrades? A home improvement loan can get you the cash you need to build a new room, renovate your bathroom, get a new roof, and more! Plus, our home improvement loans come with a fixed rate, so you’ll never be caught off guard.

Affordable Payments

Feel secure with the same low fixed payment each month – no surprises – unlike credit cards with revolving variable payments.

Save Money

Don’t rely on high-interest credit cards. A home improvement loan typically has a lower APR than most credit cards.


Our application process is completely free! There’s absolutely no cost to apply. Get started today!

Calculator loading...

Competitive, Fixed Rates

Get the cash you need. No collateral is required.

Home Improvement Loan as Easy as 1-2-3

Apply Online

Our easy online loan application is simple, secure, and fast!

Fast Approval

We’re local, so we’re able to process your application and make a decision fast.

Get your Cash

Once approved, sign your documents, and we’ll put the money straight into your checking or savings account.Final approval and credit decision timing may vary if additional documents are requested as part of the verification process. The APR is determined based on credit score and history, as well as term. Funds are generally deposited the same business day via direct deposit to your Arkansas Federal account if verification is completed and final approval occurs before 3:00 PM on the days the credit union offices are open.

Frequently Asked Questions

How does a home improvement loan work?

A home improvement loan can be used to fund nearly any home-related expense—from adding a new room, replacing old floors, kitchen renovations, and more. You name it! The benefit of using a loan for home improvement projects is that you can pay for everything now and repay it over time.

Why Arkansas Federal to finance my home improvement project?

We’ll take the time to ask questions, listen and find the right loan to fund your project that works for you. Our loans typically feature fixed interest rates, specific terms, and fixed monthly payments. This way, you’ll know exactly what to expect—no surprises.

Get started today. It's easy!

Apply online in under 20 minutes. There’s no cost to apply and the application process is easy.
Have questions? Call us at 800.456.3000 or visit your local branch.