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Transform any house into your dream home. We offer competitive rates for a variety of home improvement projects — from roof repairs to kitchen renovations. No need for collateral means no risk to your home. Town and Country Bank and Peoples Prosperity Bank offer the best way to finance home improvement.

Benefits of a Home Improvement Loan

  • Rates as low as 8.056% APR*
  • Borrow up to $10,000
  • Not secured with real estate
  • Repayment terms customized to fit your unique needs

What can I use a Home Improvement Loan for?

Renovations and repairs to your home not only extend the life of your home, they often increase your home’s market value. Making these improvements now ensures that you have the opportunity to enjoy the changes while you live there. Some examples of projects that qualify for home improvement financing include:

  • Landscaping
  • Roof repairs
  • Kitchen and bathroom renovations
  • Adding a room or garage
  • Building a deck
  • Exterior painting
  • Installing a security system
  • And so much more!

Home Improvement Loan vs. HELOC

An unsecured home improvement loan is a personal loan from Town and Country Bank and Peoples Prosperity Bank. Applicants must provide receipts or estimates that support the home improvement financing they are requesting. A HELOC uses an evaluation of your current mortgage and home’s market value to determine the amount of equity you have in your home. A HELOC then allows you to access a portion if that equity with your house as collateral.

Why Choose Us?

Town and Country Bank and Peoples Prosperity Bank serve and empower local communities in Central Illinois and Metro East, one person at a time. Locally owned and operated, we treat our clients like family. Apply online today or visit a local office. Our friendly and attentive staff welcomes you to any of our branch  locations in Springfield, Buffalo, Jacksonville, Lincoln, Decatur, Mt. Zion, Edwardsville, Fairview Heights, and Quincy, and our loan production office in Bloomington.

  • Financing for home improvement projects
  • Rates as low as 8.056% APR*
  • Borrow up to $10,000
  • Not secured with real estate
  • Repayment terms customized to fit your unique needs
  • Quick, local Central Illinois decision-making and processing
  • Detailed, attentive service from start to finish

*Annual Percentage Rate(APR) 8.056% effective April 16, 2016 and assumes $10,000 loan at a simple interest rate of 7.79%, resulting in 84 monthly payments of $155.33, including the loan origination fee of $85.00 and required recurring automatic debits from your bank account. Maximum loan amount is $10,000 and a loan term of up to 7 years is available. Credit history will be evaluated, which includes a minimum credit score of 700. This unsecured loan is not tied to home equity and is reserved for applicants with an existing TCB/TCBMSI relationship [household deposit account or mortgage, or as part of an approved vendor partnership]. If a relationship does not exist, a household deposit account and/or new mortgage loan must be established. Sales receipt, Estimate or Bids (Minimum of 50% of Amount Requested) must be provided to support request. Please talk with your banker for more complete information.