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Home Improvement Loans

Home Improvement Loans

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Rates

Upgrade your favorite place

Secure a loan for home improvements, from heating to the patio

Find an option that suits your goal and budget

Do it on your terms, with options ranging from 12 to 84 months

Upgrade your home

No Equity Loan

  • No equity needed
  • Low fixed rate
  • Terms up to 84 months
  • Easy online application
Apply online
Make it yours

Energy Efficiency Loan

  • Upgrade your efficiency
  • Competitive rates
  • Terms up to 84 months
  • Apply easily online
Apply online
Save while doing it

Home Heating Loan

  • Buy your fuel early
  • Great rates
  • Terms up to 12 months
  • Start online today
Apply online
FROM OUR COMMUNITY

“I have been with Lighthouse for years. I can always count on a positive experience with all staff – they are knowledgeable, patient and friendly. My financial questions/needs are always met. I couldn’t be happier!”

Michelle G.

Home Improvement Loan Rates

Current interest rates

Loan TypeTermAPR As Low AsMonthly Payment Per $1000Description
Home Heating LoanUp to 12-Months5.69%$85.92$1,000 Minimum/$5,000 Maximum
Energy Efficiency LoanUp to 84-Months2.00%$12.77Must get approval by Electric company. $15,000 Maximum
Energy Efficiency Loan - Eversource CustomersUp to 84-Months0.00%$14.97Must get approval by Electric company. $15,000 Maximum
No Equity LoanUp to 60-Months10.69%$21.59$1000 Minimum/$60,000 Maximum
No Equity LoanUp to 84-Months11.69%$16.96$1000 Minimum/$60,000 Maximum
Effective date: October 25, 2025

General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Personal Signature Loan

  1. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
  2. The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed.
  3. Minimum term during repayment period is 12 months and maximum is 60 months.
  4. The personal signature loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Personal Signature Loan, Credit Builder, Certificate Secured Loan

  1. Rate is fixed and will not change during the repayment period.

Start making an impact today

Put your money to work, and see the benefits in your accounts and the world around you.

 
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