Financing

Home Improvement Financing to Fit Your Needs

The Credit Human® Loan Program’s focus is simple—to help you create the home of your dreams. From deferred interest promotions to affordable budget-minded options, our loans are an easy and convenient way to pay for any home improvement project.

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Credit limits up to $100,000
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Fast approvals
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Friendly customer service
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Multiple ways to make a payment
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Affordable payment options

Same as Cash (SAC) - With Payments for up to 12 months

Subject to qualifying credit approval

For Same as Cash (SAC) loans, interest accrues during the promotional period, but all interest is waived if the loan is paid in full before the end of the promotional period. 2 Payment Factor is based on the outstanding balance.3 Payment Factor is based on the original balance.  Rates are subject to change. All Payment Factors are estimates. This is not an advertisement to extend customer credit as defined in Regulation Z. Approvals are valid for 180 days. Federally Insured by NCUA.

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5.99% available for up to 20 years

Subject to qualifying credit approval

Rates are subject to change. All Payment Factors are estimates. This is not an advertisement to extend customer credit as defined in Regulation Z. Approvals are valid for 180 days. Federally Insured by NCUA.

APPLY NOW
Financing for Credit Human consumer credit program is provided by equal opportunity lender banks. Credit Human Servicing LLC services the loans on behalf of lenders.
NMLS #486243

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Frequently Asked Questions

Why should I finance my project when I can pay cash or use a credit card?

Financing a project with a Credit Human loan allows you to conserve both your money and your equity, and typically offers a lower interest rate than a credit card. Credit Human has many promotional offerings with deferred interest benefits, but without your having to pay out of pocket all at once.

Where can I use my loan?

Use your Credit Human account number to pay for services and products offered by the contractor with whom you apply.

How do I make a payment?

It’s simple–pay online or by phone, or schedule automatic payments to be drafted from your bank account. The choice is yours.

How do I pay my contractor?

Once approved, you will be provided a loan agreement and issued a 16-digit account number and expiration date. When you want to pay, just provide these numbers to your contractor to process the purchase as if it were a credit card.

How long do I have to use my loan?

Once approved, you have four or six months, depending on your plan to make your purchases.

When is my first payment due?

It depends on your plan. Many deferred interest plans don’t require a payment during the promotional period. The first payment on a budget-minded plan is typically due approximately 30 days after the first purchase.

When does the Deferred Interest plan promotion window begin?

At the time of your first transaction.2

1. Credit Human Program is a program name for certain consumer credit plans extended by participating lenders to borrowers for the purchase of goods and/or services from participating merchants. Participating lenders are federally insured equal opportunity lender banks. Credit Human® is a registered trademark of Credit Human, LLC.  services the loans on behalf of participating lenders. NMLS #486243.

2. Interest is billed during the promotional period but all interest is waived if the entire loan amount is paid in full before the end of the promotional period.