The Smart Options for Your Home Improvement Loan or Financing

At Visions we say that life is unscripted. If you own a home, it's very likely you know how true that statement is. It almost goes without saying that if you own a home, you have home improvements and repairs. Many joke that the list never ends. Whether you need to remodel a room, replace a roof, or tackle some small projects, it all has a cost. Sometimes that means looking at financing your home improvements.

So, what is the best approach for you when it comes to your home improvement financing?

Like with many things relating to money, the right answer for financing your home improvements and projects depends on your circumstances.

How you pay for your home improvements may differ depending on the project. Let's face it. Some projects are more simple and less expensive than others. You may want to approach smaller projects differently than bigger ones.

Smaller Home Improvement Projects

For smaller projects, you may want to look into paying for your home improvements with a quality low interest credit card. It's a more straight-forward way to take care of smaller projects. In some cases, you may be able to take advantage of a very attractive interest rate, get your home improvements done, and have everything paid for in a relatively short amount of time. In the situation of smaller projects, consider this option.

Larger Home Improvement Projects

For larger projects, you should consider a home improvement loan. Maybe you have one or more major projects you just have to do. Maybe you'd rather remodel than move. Maybe you are just looking to build up value in your home with some great improvements. In these cases, consider a home improvement loan. These loans are designed for these circumstances and often have very attractive rates.

Consider Your Credit

As with anytime you are looking into financing, consider your credit. It's always a factor when looking to financing a purchase or project. Your credit will play a factor in what interest rate you will pay on your home improvement financing. Know where your credit stands, so you know options. When it comes to finances, you always want to make an informed decision based on your unique needs and circumstances. This includes your home improvement projects and repairs.

If you have questions or want to learn more:

Education Articles

View All Education Articles

  • Cooperative Principles: Diversity, Equity, and Inclusion

    Credit unions support diversity, equity, and inclusion as a shared credit union cooperative principle and continue to have a responsibility and take a leadership role in building and serving more diverse, equitable, and inclusive communities.

    diverse-paper-hands-and-earth

  • Cooperative Principles: Membership and Participation

    Members are the owners of the credit union and contribute to its capital. Members, not shareholders, benefit from their credit union’s profits in proportion to their relationship and use of its products and services. As voluntary, not-for-profit financial cooperatives, we offer services to people willing to accept the responsibilities and benefits of membership, without discrimination.

    diverse-multigenerational-people

  • Cooperative Principles: Autonomy and Education

    Credit unions place particular importance on educational opportunities for their volunteer directors, and financial education for their members. Also, when making business deals or raising money, credit unions never compromise their autonomy or democratic member control.

    autonomy-&-education-circles-with-icons
Visions Federal Credit Union

Log in here with your Online Banking ID:



Online Enrollment

Forgot Password

Forgot User ID/Unlock Account

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.

Continue