Pay over time with a home improvement loan
through Promise Financial
Pay over time for renovations, moving costs, home improvement and other expenses related to your home
Transforming a new apartment or house into your ideal home is one of the most important investments you can make in life, however it can be costly. Home improvement loans let you pay for these expenses over time, with low rates and a convenient online process.
Why people choose home improvement loans
Home improvement financing is quick and simple
1Check Your Rate
Our secure online process instantly delivers personalized loan offers at no cost and with no obligation
Loan terms are clearly presented and you can select the loan offer that makes the most sense for you
3Accept & Verify
You can sign your loan documents electronically and verify your information through our online process
Funds are deposited directly into your bank account within 2 business days after you complete verification
5Pay Over Time
You’ll repay your loan in equal monthly payments over 36 months, with convenient payment options†
What our customers are saying about Promise Financial
The process was quick and easy, rates were competitive and customer service has been professional and personal. I feel as though Promise Financial is glad to have me.
The process was EXTREMELY easy and fast. The loan amounts are generous and the rates are good.
I always know that I can get help at any time if I have any questions or concerns. Such an easy and smooth transaction and having it taken right out of my account each month is another bonus, then I don't ever have to worry about it each month.
Very easy process, low rates!
I have truly enjoyed Promise Financial and everything you guys have done. Without you, my dream wedding wouldn't have happened!
Fast and easy! Customer service is extremely helpful and very pleasant.
Easy, clean, and clear cut process. Application was very easy to understand and simple to complete. Approval process was quick and easy. Money was in my account very fast.
You appeared out of nowhere and saved our wedding...
Promise Financial was very easy to work with, I really enjoyed my experience.
Quick and easy process, I got a great interest rate compared to my other offers. Thank guys!
Financing For Life's Most Important MomentsCheck Your Rate
Rates and Fees
Loan rates and fees are summarized in the table below.
|Interest Rate||Origination Fee||APR|
The interest rate is applied to the outstanding balance of your loan. The origination fee is a one-time, non-refundable fee deducted from the loan proceeds. The APR is the “annual percentage rate” and represents the effective annual cost of the loan, including both the interest rate and the origination fee.
There are also fees associated with specific circumstances:
- Late Fee: If you pay after the 15-day grace period a fee of the greater of $15 and 5% of the unpaid amount will apply
- Non-Sufficient Funds Fee: If a payment is returned a $15 fee will apply
Loan Eligibility Requirements
Our basic requirements are listed below. If you meet these standards we encourage you to Check Your Rate.
- U.S. citizen or permanent resident
- Resident of a state currently served by Promise Financial
- At least 18 years old (19 in AL and 19 in NE if ward of state)
- Valid and verifiable name, date of birth, social security number, physical address and email address
- Bank account at a U.S. financial institution
- No prior delinquencies on a loan through Promise Financial
- No new loans through Promise Financial in the past 18 months (either as a borrower or cosigner)
In addition, borrowers must meet our minimum credit standards.