Home Improvement Personal Loan

Turn Your House

Into The Home You Dream Of

Quickly access flexible financing for your renovation project with a personal loan up to $25,000.

Apply Now

Sleep Easy With Fixed Monthly Payments & No Collateral Needed

Or Simply Because You Were Finally Able To Replace Your Leaky Roof.

Partner with Torrington Savings Bank to secure funding for your next home improvement project. Our Home Improvement Personal Loan is designed to help you finance renovations, repairs or upgrades to your home. Unlike a traditional Home Equity Loan, a Home Improvement Personal Loan doesn’t require you to use your home as collateral.

If you’ve recently used funds for home improvements, you can use this loan to help pay off revolving debt or replenish your savings on past and current projects. We’ll just need you to provide documentation showing how the money was used for your home renovations or repairs.

Details & Features

  • Loan amounts up to $25,000
  • Competitive fixed interest rates
  • No closing costs, home appraisal, or third-party inspections
  • No collateral required
  • Available for single family homes and condominiums in Connecticut
  • Flexible terms up to 15 years
Apply now

Why Borrow For Your Home Improvement Project With Us

Access Funds Quickly

Average to Excellent
Credit Score

Increase Home’s Value

How Can I Use A Home Improvement Loan?

Increase the comfort of your home by applying for a home improvement personal loan.
It’s the perfect time to begin a new project, let’s get to work:

  • HVAC Replacement
  • Roof Repairs
  • Landscaping
  • Home Additions
  • Pool Installation
  • Solar Panels
  • Driveway Paving
  • Appliances
  • Deck
Apply Now

Home Improvement Personal Loan

Effective Date: July 14, 2025

Loan Amount Term Rates APR PMT Per $1,000.00
Up To $10,000.00 60 months 8.000% 8.000% $20.28 APPLY NOW
Up To $10,000.00 120 months 8.000% 8.000% $12.13 APPLY NOW
$10,000.01-$25,000.00 60 months 10.000% 10.000% $21.25 APPLY NOW
$10,000.01-$25,000.00 120 months 10.000% 10.000% $13.22 APPLY NOW
$10,000.01-$25,000.00 180 months 10.000% 10.000% $10.75 APPLY NOW

Home Improvement Personal Loan Details:

Loans are subject to credit approval. Certain restrictions and conditions apply. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Loan amount determines rate and term. You must be at least 18 years of age. The property must be your primary residence and occupied by you. Maximum two borrowers and both borrowers must occupy the property. To receive funds for this loan, a contractor’s estimate or bid/material list itemizing the improvements is required.

Auto pay is required from a Torrington Savings Bank personal checking or savings account. Checking and savings accounts may have monthly fees and must be in good standing.

Payment Example: A $5,000 Home Improvement Personal Loan financed with Torrington Savings Bank at 8.00% APR for 120 months will have a monthly payment of $60.66.

Other eligibility requirements may apply.