Easy Loans for Improving Homes
Start Your Application Nowor find out if you are pre-qualified with our pre-qualification tool.
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HALO Disability Loan
For Disability & Home Adaptation ImprovementsLow Fixed Interest. No Minimum Credit Score.
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Affordable AC loansNo Income Limits. No Minimum Credit Score. Up to $15,000
Apply NowSpecial thanks to our partners and supporters
We provide home improvement loans for everyone, starting at 5% unsecured.
No Minimum Credit Score
We offer loans based on your ability to repay, not your credit score. Had trouble before? Let us help.
Learn MoreTrusted Contractors
SELF assists in getting your project completed. We pre-screen all contractors, check pricing, and provide project coordination from start to finish.
Learn MoreA Mission to Help
SELF is a non-profit organization with a mission to help homeowners from all walks of life enjoy safer, healthier and more comfortable homes. We also help homeowners save money on their energy and insurance costs.
Learn MoreClick the icons to see the types of improvements that SELF finances.
SELF Improvements
Solar Products
- Solar Photovoltaic (PV) Panels
- Solar Water Heater
- Solar Pool Heater
- Solar Pool Pump
- Solar Attic Fan
- Window Film and Solar Screens
Sewer and Water
- Pool Pump
- Low-flow: Toilet, Shower, or Aerator
- Septic to Sewer Conversion
- Sewer Lateral Line Replacement
- Irrigation Package
- Rain Water Barrel
- Cistern
- Sprinkler Heads
- Drip Irrigation
- Electric Water Heater
- Gas Water Heater
- Plumbing
Storm Resilience
- Window Repair
- Window Replacement
- Doors
- Garage Doors
- Hurricane Shutters & Fasteners
- Window Shutters
- Hail Protection
- Exterior Siding
Roofing
- Roof Replacement (Tile, Shingle, Metal)
- Roof Repair & Reinforcement
- Hurricane Clips/Straps/Roof Anchors
- Roof Soffit Vent Sealing/Flashing
- Reflective Roof
Disability Products
- Wheelchair Ramps
- Stair Lifts
- Walk-in Tubs and Showers
- Doorway and Hallway Widening
- Assistive Technologies
Air Conditioning
- HVAC
- Duct Testing & Repair
- Ceiling and Attic Fans
- Programmable Thermostat
Pre-Qualify
Start by answering a few questions about yourself and your project. Once you’re pre-qualified, we’ll be in touch for final approval.
Get Started
Select a Contractor
Our pre-approved contractors are vetted to ensure your project is handled by the best available.
Project Begins
Now for the fun part, your project is underway! We'll help monitor the progress and make sure everything is going as planned.
Verification
No contractor is paid until we verify the project for completion and customer satisfaction. If it's not right, we'll get it fixed.
Easy Loan Programs
Whether you’re a veteran, disabled, or just an average homeowner with below average credit; SELF has a loan program for you.
- Available to Everyone
- Unsecured
- Interest rates as low as 5%
- 3-7 year terms
- Up to $50,000
- No minimum credit score or income limits
- Unsecured
- Interest rates as low as 7.5%
- 7-10 year terms
- Up to $25,000
- No minimum credit score or income limits
- Crowdfunded program for women, veterans, and military families
- Unsecured
- Interest rates as low as 5%
- 3-5 year terms
- Up to $10,000
- No minimum credit score or income limits
- Wind-Hazard Mitigation and *FORTIFIED Roofs™
- Unsecured
- Interest rates as low as 8%
- 3-7 year terms
- Up to $50,000
- No minimum credit score or income limits
- Lower homeowners' insurance may help pay back the loan
- Water and sewer improvements, repairs, and replacements
- Unsecured
- Interest rates as low as 8%
- 3-7 year terms
- Up to $50,000
- No minimum credit score or income limits
- Available to Everyone
- Unsecured
- Interest rates as low as 7%
- 3-10 year terms
- Up to $50,000
- Available to residents of St. Lucie County
- Clean Energy, Energy Efficiency, and Wind Hazard Mitigation
- Secured
- Interest rates as low as 7%
- 5-20 year terms
- Up to $50,000
Customer Stories
“We are always grateful for the opportunity to assist the community and are glad that we have been given the chance to do so as an approved vendor of the SELF program.”
Read the Story
“This program is amazing! The rates are great!”
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“I’m so happy and pleased with my new unit.”
Read the Story
“We received a better interest rate than what was being offered at other banks. I received a new roof, and we were able to get homeowners insurance on our home.”
Read the StoryMake a Difference in Your Own Community with KIVA
