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Home Improvement Loan

Home Improvement Loan Interest Rates

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Rates as of March 24, 2019

Home Improvement Loans

Credit Score*TermInterest Rate - UnsecuredAPR**Interest Rate - Partially SecuredAPR**Interest Rate - SecuredAPR**
740 & AboveUp to 48 Months8.50%8.50%6.50%6.50%5.50%5.50%
 49 to 60 Months9.00%9.00%7.50%7.50%6.50%6.50%
 61 to 84 Months----8.00%8.50%7.00%7.00%
 85 to 120 Months--------8.00%8.00%
700-739Up to 48 Months9.50%9.50%7.50%7.50%6.50%6.50%
 49 to 60 Months10.00%10.00%8.00%8.00%7.00%7.00%
 61 to 84 Months----8.50%8.50%7.50%7.50%
 85 to 120 Months--------9.00%9.00%
675-699Up to 48 Months11.00%11.00%8.50%8.50%7.50%7.50%
 49 to 60 Months12.00%12.00%9.50%9.50%8.50%8.50%
 61 to 84 Months----10.50%10.50%9.50%9.50%
 85 to 120 Months--------10.00%10.00%
674 & BelowUp to 48 Months----10.00%10.00%8.50%8.50%
 49 to 60 Months----11.00%11.00%9.50%9.50%
 61 to 84 Months----12.00%12.00%10.00%10.00%
 85 to 120 Months--------10.00%10.00%

Home Improvement Loan Payment Examples - Unsecured

Credit Score*Term(months)Amount BorrowedMonthly PaymentTotal Loan & Interest
740 & Above48$7,500$185$8,873
740 & Above60$7,500$156$9,341
700-73948$7,500$188$9,044
700-73960$7,500$159$9,561
675-69948$7,500$194$9,304
675-69960$7,500$167$10,010

Home Improvement Loan Payment Examples - Secured

Credit Score*Term(months) Amount BorrowedMonthly PaymentTotal Loan & Interest
740 & Above48$7,500$174.42$8,372.16
740 & Above60$7,500$146.75$8,805.00
740 & Above84$7,500$113.20$9,508.80
740 & Above120$7,500$91.00$10,920.00
700-73948$7,500$177.86$8,537.28
700-73960$7,500$148.51$8,910.60
700-73984$7,500$115.04$9,663.36
700-739120$7,500$95.01$11,401.20
675-69948$7,500$181.34$8,704.32
675-69960$7,500$153.87$9,232.20
675-69984$7,500$122.58$10,296.72
675-699120$7,500$99.11$11,893.20
674 & Below48$7,500$184.86$8,873.28
674 & Below60$7,500$157.51$9,450.60
674 & Below84$7,500$124.51$10,458.84
674 & Below120$7,500$99.11$11,893.20

*Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. ** Annual Percentage Rate

  • Loans subject to credit approval
  • Interest rates and programs are subject to change without notice
  • Loans $10,000 and above require a collateral mortgage or other sufficient collateral
  • Interest rates will be discounted 0.25% with Auto Pay from a Capital Bank checking or savings account
  • Loans under $5,000 - maximum term up to 60 months
  • Loans $5,000 to $10,000 - maximum term up to 120 months