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Home Improvement Loans

Let's spruce things up

Use our Home Improvement Loans to give your house some love—with or without equity.

  • Overview

    Got a Pinterest board full of home renovation ideas?

    Bring them to life with Heartland Home Improvement Loans. Not only are our loan rates low, but the interest is tax deductible for many borrowers. Take advantage of this cost-effective borrowing method by first choosing between Unsecured or Secured Home Improvement Loans.

    • Unsecured:
      Borrow up to $7,500 for up to 10 years
      No Closing Costs
    • Secured:
      Borrow up to $100,000 for up to 15 years
      Borrow up to 133% of your home’s value
      Minnesota and Wisconsin properties only

    Low competitive rate

    Because fixing up your home shouldn’t drain your account.

    Available for primary homes

    Mobile homes, second homes, and cabins are ineligible.

    Document your improvements

    Copies of bids and/or receipts must be provided.

  • Rates
    Rates Effective as of: 12-03-2020
    TypeAPR*(as low as)Term
    Home Improvement+* (Secured) – Max loan amt. $100,000 5.59%Up to 5 years
    Home Improvement+* (Secured) – Max loan amt. $100,000 6.09%Up to 8 years
    Home Improvement+* (Secured) – Max loan amt. $100,000 6.39%Up to 10 years
    Home Improvement+* (Secured) – Max loan amt. $100,000 6.79%Up to 15 years
    Home Improvement+* (Unsecured) – Max loan amt. $7,5008.39%Up to 5 years
    Home Improvement+* (Unsecured) – Max loan amt. $7,5009.39%Up to 8 years
    Home Improvement+* (Unsecured) – Max loan amt. $7,50010.39% Up to 10 years

    *APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on collateral, home equity closed end, and signature loans. Add .25% without auto pay. These rates are in effect as of 11/1/2020 and are subject to change.

    +*Home Improvement Loan (Unsecured) – Rate effective 11/1/20 and subject to change without notice. Payment on a 5 year term at 8.39% APR is $20.46 per $1,000 borrowed. Not all applicants will qualify for a Home Improvement (Unsecured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $7,500. Term up to 10 years.

    +*Home Improvement Loan (Secured) – Rate effective 11/1/20 and subject to change without notice. Payment on a 15 year term at 6.79% APR is $88.71 per $10,000 borrowed. Not all applicants will qualify for a Home Improvement (Secured) Loan. Rate varies based on credit history. Improvements must be made on Primary Home (mobile homes do not qualify) and copies of bid and/or receipts are required. Consult a tax advisor for information regarding the deductibility of interest and charges. Loan amounts up to $100,000. Term up to 15 years. Minnesota and Wisconsin properties only. Closing costs do apply. LTV up to 133%.

I have never ever contemplated leaving because of the wonderful service I've received throughout my life. You would never get service like you provide at a big bank.

Jill

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