Borrow up to $7,500 for that new kitchen, pool, outdoor living space — without needing to have home equity or collateral. This loan features a low one-time origination fee, no down payment, and no prepayment penalty.

  • Available for a wide range of home improvement needs
  • No down payment required
  • Borrow up to $7,500
  • No home equity or collateral necessary
  • Low interest
  • Fixed rate
  • No prepayment penalty
Uses Home Improvement
Loan Amount Up to $7,500
Payments Fixed monthly payment
Access to Funds Single lump-sum distribution of funds
Interest Rate

9.56% APR*

Fixed for the life of the loan

Term 5 years
Fees $100

Subject to credit approval.

*Some restrictions apply. The Annual Percentage Rate (APR) is based on a $7,500.00 loan, an interest rate of 8.99% with 60 monthly payments of $155.72. All rates have been discounted .25% for borrower participation in automatic payment withdrawal from a Guaranty Bank deposit account. Termination of the automatic payment withdrawal will result in a rate increase of .25%. A $100.00 loan origination fee shall apply. Subject to credit approval. Rates available as of January 11, 2017 and subject to change without notice.