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Home Improvement Loan

Financing for remodels, renovations, and other home projects

Whether you’re planning a summer staycation or just spending extra time at home, now is the perfect time to transform your space into a personal oasis. From roof repairs to pool installation, a bathroom or kitchen remodel, new deck or hot tub, First Source can help make the home project you’ve always wanted a reality, with a low-rate Home Improvement Loan.

Why use a Home Improvement Loan?

A Home Improvement Loan is a great choice for those small to medium projects that don't require home equity, but are too big to pay off in a few credit card cycles. Rather than rack up high interest charges on that card, try a home improvement loan instead. It's built just for this type of project.

It gives you the benefit of a competitive interest rate, fixed term for repayment, and a total you’ll know from the start, which can make repayment completion more manageable. Start by getting pre-approved, so you have a good idea of your budget, and can manage costs up front. We can help you determine whether your loan amount and finances make this a smart choice for you.

If your improvements are more energy efficient in nature (such as new windows, energy-efficient appliances, heating and cooling upgrades), we also offer a Home Energy loan. This is a fixed rate, 1 year term loan great for smaller energy efficient upgrades.

Common Uses for a Home Improvement Loan

  • Kitchen remodel

  • Bathroom remodel

  • Small house renovation

  • Roof repair

  • New deck

  • New appliances

  • New hot tub or pool

Improve Smarter

Get started with the application process below.


Not sure if your project is right for a Home Improvement Loan? Secure an estimate for the cost of the remodel, then give us a call at 315-735-8571 to discuss your financing options or make an appointment with one of our friendly and knowledgeable representatives today.

Let’s Get Started

We look forward to helping you.

Apply Now

Did the extra time at home this spring inspire you to bring out the very best in your place? Start tackling all your projects by getting pre-approved for a First Source Home Improvement Loan.

Not sure how much you need?

Check out our helpful loan comparison calculator.

Home Improvement Loan Comparison Calculator

Home Improvement Loans

Check today’s home improvement loan rates effective September 30, 2023

Term APR
12 Month as low as 7.74%
24 Month as low as 7.84%
36 Month as low as 7.94%
48 Month as low as 8.04%
60 Month as low as 8.14%
72 Month as low as 8.24%
84 Month as low as 8.34%
96 Month as low as 8.49%
108 Month as low as 8.64%
120 Month as low as 8.79%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.

Monthly payments for a 1 year home improvement loan at 7.74% would be $86.84 per $1,000 borrowed.

Loan must be used for items/services that are home improvement in nature.

Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change. Equal Housing Lender.