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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.
- Unsecured:
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Rates
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Rates Effective as of: 05-22-2025Type APR*(as low as) Term Home Improvement+* (Secured) – Max loan amt. $100,000 10.49% Up to 5 years Home Improvement+* (Secured) – Max loan amt. $100,000 10.79% Up to 8 years Home Improvement+* (Secured) – Max loan amt. $100,000 10.99% Up to 10 years Home Improvement+* (Secured) – Max loan amt. $100,000 11.29% Up to 15 years Home Improvement+* (Unsecured) – Max loan amt. $7,500 11.49% Up to 5 years Home Improvement+* (Unsecured) – Max loan amt. $7,500 11.29% Up to 10 years Home Improvement+* (Unsecured) – Max loan amt. $7,500 12.29% Up to 15 years *APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 4/1/2025 and are subject to change.
+*Home Improvement Loan (Unsecured) – Rate effective 4/1/25 and subject to change without notice. Payment on a 5 year term at 11.49% APR is $21.99 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 4/1/25 and subject to change without notice. Payment on a 15 year term at 11.29% APR is $115.49 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%.
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Learn MoreHome Improvement Loans
Let's spruce things up
Use our Home Improvement Loans to give your house some love—with or without equity.
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
