There's always room for improvement. And we can help you improve every room.

Let Midland States Bank finance the costs of creating the home you love with a home improvement loan.

Remodel, renovate, or repair your home

Is your home starting to look a little outdated? Update your kitchen, paint your living room, or install new flooring.

Apply Now

Finish projects you've been putting off.

Major projects such as foundation issues or roof issues need to be addressed as soon as possible. Don't keep putting them off; get them done today.

Apply Now

Upgrade your home with additions.

Put in a swimming pool or an outdoor living space. Improve your energy efficiency with new windows or solar panels.

Apply Now

Improve your property value

Curb appeal, such as a new roof, additional landscaping, a porch revamp, or siding replacement, can drastically improve your property value and the equity you hold within your home.

Apply Now

Everyone has a few projects they've been putting off in their home. But with the best home improvement loans provided through Midland States Bank, you can get everything you need done at once.

Apply For a Rate Quote

Decorating in the Details

What does it take to get a Rapid Home Improvement Loan? Less than you might think. A home improvement loan is often easier to get than a home equity loan. You can get an unsecured loan up to $25,000, loan terms up to 15 years, and there are many eligible property types. The time to get that new HVAC system, water heater, or roof is now. You want to enjoy your home — and we can help.

• No home equity requirements
• Unsecured loan amounts up to $25,000
• Loan terms up to 15 years
• Eligible property types include single-family detached homes, townhomes, condominiums, and duplexes.

Calculate Your Rapid Home Improvement Loan’s Monthly Payment

Budget-friendly, fixed payments mean no surprises. See sample monthly payments and find the right loan for your project.

APR = Annual Percentage Rate. Rates are valid as of 11/04/22 and assume the borrower has a credit score of 740 or higher. Rates are subject to change without notice. APR reflects the effective cost of your loan on an annual basis, considering such items as interest and loan fees. All payment amounts are estimates and are for example only.

.

Believable Banking Home Improvement Loan

The Believable Banking Home Improvement Loan (BBHIL) is an affordable, unsecured loan program available in select neighborhoods determined by the Census Bureau. The BBHIL provides flexible and affordable financing to assist with maintaining your home and can be used for a wide array of home repairs or renovations.

Benefits of BBHIL Loan:

• $1,500-$25,000 loan amounts available
• No appraisal needed
• Loan-to-value (LTV) is not a factor
• Low, fixed interest rate
• Use for minor or major home repairs

Get Started

Want to learn more about Home Improvement Loans?

How They Work    Should I get one?    Can I afford home improvements?

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

¹Loan fee of $150. Payment examples: Tier 1 loan category ranges up to $10,000 and 120 months: Monthly payments for a $10,000 loan at 7.327% APR with a term of ten years would result in 120 monthly payments of $117.80. Tier 2 loan category ranges from $10,000.01 to $25,000 and up to 180 months: Monthly payments for a $25,000 loan at 8.089% APR with a term of fifteen years would result in 180 monthly payments of $240.20. These examples are estimates only and assumes all payments are made on time. Please contact bank for details.