Unsecured personal loans for home improvement projects. No minimum credit score, no income limits (minimum or maximum), and no minimum asset or home equity required.

Loan Products & Rates

Loan Amount$1,500-
$50,000
Interest Rate8-11%Fixed
Terms3-8yrs

Fees apply depending on improvement. Origination Fee: 2.5% and 1.25% for military discounts + Project Management Fee: 2.75%.

Eligibility

  • Primary Applicant must be the OWNER of the RESIDENTIAL subject property
  • Home must be located in: Florida, South Carolina, Georgia, or Alabama
  • Applicant(s) must prove ABILITY TO PAY (i.e., Employment, Social Security, Disability, etc.)
  • Property Taxes must be current
  • Home Mortgage loans must be current (with proof)
  • Primary Applicant cannot have a bankruptcy in the past 12 months
  • Co-signer or cash guarantee (i.e. 5-20% of total project cost) may be required depending on the Applicant(s) previous payment history

Eligible improvements include septic-to-sewer conversions, lateral line replacements, connection to central water, conservation, and plumbing fixes.

Make your home and the environment cleaner with a sewer and water loan!

Project Management: From Start to Finish

SELF also provides project management from start to finish, including: pre-screening all contractors to verify applicable licenses, insurance and a good track record; reviewing quotes to prevent price-gouging; and, coordinating with local building officials and homeowners before making final payment to the contractors.

Frequently Asked Questions

  • Proof of home ownership
  • Proof of income
  • Ability to repay the loan
  • Mortgage paid on time in the past 90 days
  • Current on all local property taxes
  • No minimum income required
  • No minimum credit score required

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Success Stories

Ruth Vernon, Tampa

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