Home Improvement Loans
It’s time for an upgrade.
Looking to remodel your kitchen, replace your roof, or get started on a smaller project without the need to refinance, utilize your equity, or rack up credit card debt? A home improvement loan with Red River Credit Union can help.
Your home is an investment. Enhance your property with a remodel, refresh, or repair with a home improvement loan. No closing costs, inspections, or equity needed. You can borrow up to $50,000* to help increase the value of your investment.
*With approved credit.
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A few things will be needed to get you qualified for your home improvement loan.
- Individual applicant must have a credit score of 700 or higher, joint applicants must average 700 or higher with neither being under 660.
- Proof of employment for 4 years.
- Income verification with W-2 and pay stub dated within the last 30 days. If you are self-employed, you must provide the last two years tax returns. For those who are retired or on social security, verification must be made by a third party such as a social security letter or retirement award letter. Income may be verified though RRCU direct deposit.
- Proof of residence for 4 years or home ownership of 4 years prior to current residence. Copy recorded Warranty Deed on present residence.
- List of improvements or work estimates. Loan may not exceed the total amount of improvement estimates provided by the member.
Rates Effective: 10/28/2026
Consumer Home Improvement Rates
| Loan Type | Term | APR* As Low As |
| Up to $10,000 | up to 60 months | 6.45% |
| $10,001-$15,000 | 61-84 months | 6.95% |
| $15,001-$25,000 | 85-120 months | 7.45% |
| $25,001-$50,000 | 121-144 months | 8.45% |
*APR=Annual Percentage Rate. With approved credit. Rate based on term and credit score. Rates subject to change.