Home Improvement Loans

Bring your home vision to life

Whether you're planning a major remodel or a small upgrade, Volt makes financing your home improvement project easy—with low rates, flexible terms, and fast approvals.

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Home improvement doesn’t have to mean budget stress. With Volt’s Home Improvement Loans, you can tackle everything from flooring to solar panels – without draining your savings. Our competitive rates, flexible repayment options, and friendly loan pros make it easy to upgrade your space and enjoy the results sooner. Let’s turn your current house into your dream home – on your terms.

Upgrade what matters

From new windows and roofs to storm shelters and HVAC, finance the projects that improve your home’s safety, comfort, and value.

Borrow smarter

With no hidden fees and repayment terms that fit your budget, home updates are more doable than ever.

Get funds fast

With quick approval and a local team by your side, you can get started on your project sooner—not someday.

Applying is simple

We’re with you every step of the way.

Step 1

Start your application online

Apply in minutes with our secure form, or reach out to a Volt lending specialist.

Step 2

Share your project details

Let us know what you’re planning—we’ll walk you through next steps and available options.

Step 3

Get approved and get started

Once approved, you’ll get quick access to your funds so you can get to work.

Home Improvement Loan Calculator

Calculate your potential loan payments quickly with our easy-to-use tool.

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Loan Amount

Rate (APR)

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Thanks to Volt, we upgraded our outdated HVAC system with a Home Improvement Loan without breaking the bank. The loan process was smooth, and now our home stays comfortable year-round and our energy bill is way happier too!

— Billie F

Member since 1980

Real projects. Real possibilities.

See how Volt Home Improvement Loans have helped local members turn their vision into real-life upgrades—fast, flexible, and stress-free.

Apply now

Frequently asked questions

This loan is just for specific types of improvements, like:
- Windows, siding, roofing, or foundation work
- HVAC systems and garage doors
- Flooring, generators, hot water heaters
- Storm shelters, solar panels, landscaping, and tree work
To qualify, the work needs to be completed by a licensed contractor or subcontractor.

Have something else in mind? No worries though as our Unsecured Loan might be a better fit for your project. Let’s find the right option for you!
We love a good DIY spirit, but for this loan, the work must be completed by a licensed contractor or subcontractor.

Here’s how it works:
- Volt will pay the contractor directly based on their estimate or invoice.
- The loan funds will be placed in your savings account with a hold until the work is finished, that way everything stays on track and stress-free.

Ready to love your home even more?

Let’s make your next project happen. Apply online, give us a call, or stop by a branch—we’re ready when you are.

Apply now

*APR is Annual Percentage Rate. Your rate may vary based on credit history and underwriting guidelines. Programs, rates, terms, and conditions apply and are subject to change without notice. Federally insured by NCUA.

Rates

Home Loans

Home Equity Lines of Credit (Adjustable Rate)

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Home Improvement Loans

Rates effective as of: October 1, 2025

*APR is Annual Percentage Rate. Your rate may vary based on credit history and underwriting guidelines. Programs, rates, terms, and conditions apply and are subject to change without notice. Federally insured by NCUA.

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