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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New FAAST Loan

for disability & home adaptation improvements6.0% Interest. No Credit Check. Limited Time Only.

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Special 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.

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Trusted Contractors

SELF assists in getting your quality project completed. We pre-screen all contractors, check pricing, and provide project management from start to finish.

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A 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.

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Click the icons to see the types of improvements that SELF finances.

Solar Products

  • Solar Photovoltaic (PV) Panels
  • Solar Water Heater
  • Solar Pool Heater
  • Solar Pool Pump
  • Solar Attic Fan
  • Window Film and Solar Screens
View All Improvements

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
View All Improvements

Storm Resilience

  • Window Repair
  • Window Replacement
  • Doors
  • Garage Doors
  • Hurricane Shutters & Fasteners
  • Window Shutters
  • Hail Protection
  • Exterior Siding
View All Improvements

Roofing

  • Roof Replacement (Tile, Shingle, Metal)
  • Roof Repair & Reinforcement
  • Hurricane Clips/Straps/Roof Anchors
  • Roof Soffit Vent Sealing/Flashing
  • Reflective Roof
View All Improvements

Weatherization and Insulation

  • Weatherization
  • Insulation and Air Sealing
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Lighting

  • Interior & Exterior Light Bulbs
  • Skylight or Solar Tube
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Health and Safety

  • Drywall Repair
  • Electric
  • Misc. Fixtures
  • DHW Timer
View All Improvements

Disability Products

  • Wheelchair Ramps
  • Stair Lifts
  • Walk-in Tubs and Showers
  • Doorway and Hallway Widening
  • Assistive Technologies
View All Improvements

Air Conditioning

  • HVAC
  • Duct Testing & Repair
  • Ceiling and Attic Fans
  • Programmable Thermostat
View All Improvements

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
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  • Unsecured
  • Interest rates as low as 7.5%
  • 7-10 year terms
  • Up to $25,000
  • No minimum credit score or income limits
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  • 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
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  • 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
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  • 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
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  • Available to Everyone
  • Unsecured
  • Interest rates as low as 7%
  • 3-10 year terms
  • Up to $50,000
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  • 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
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Customer Stories

“Having KIVA and SELF has given me the ability to maintain the integrity of my home… I appreciate the support and the program immensely.”

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“I am extremely grateful for the assistance and support provided by SELF and the St. Lucie County PACE Program with the financing of my new Solar Energy System.”

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SELF helped Ruth completely redo her bathroom. “Now my daughter doesn’t have to worry about me falling”

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“I recommend SELF to everybody who falls on bad times. If they can help you, they will. And if they can’t, they will try to find you somebody who can.”

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Make a Difference in Your Own Community with KIVA

Kristen

Total Loan: $7,300
Need: Personal Housing Expenses - to pay for a new roof that will greatly improve the safety and security of Kristen’s home.
Time Left: 11 days
5% funded

Join SELF’s KIVA crowdfunding team and help Women and Veterans.

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