Home Improvement Loans

Let us help transform your house into your dream home.

Let's Look At Your Options

Credit Card vs. Home Improvement Loan

Credit Card

  • Interest rates are adjustable, so they can increase anytime
  • Only making minimum payments adds years to the life of the loan
  • Long payoff time
  • Higher loan rates

Home Improvement Loan

  • A fixed interest rate that never changes
  • A fixed number of payments that continually pays down the balance
  • Affordable interest rates
  • Defined payoff date

Rates and Terms

TERM RATES as low as APY as low as
24 Months 3.00% 3.50%
36 Months 3.17% 3.53%


Subject to credit approval. Conditions and limitations apply. Rates and terms are subject to change without notice. Minimum loan amount is $2,000 and maximum amount is $25,000. Payment Example: A $10,000 loan with a rate of 3.17% or 4.002% APY with a term of 36 months would result in monthly payments of $295.25.

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Imagine the possibilities

Making "Home Sweet Home" a Little Sweeter

You can turn your backyard into a restful retreat with a new patio or pool. Or you can create feasts the whole family will enjoy in an updated kitchen. We can help turn your dreams into a reality with a Home Improvement Loan. With an easy application process and quick approval, you can get access to funds quickly and make your Home Sweet Home a little sweeter.

There's no reason to delay comfort

Heat Pump Repair or Replacement

The cost to repair a heat pump can be $500 or more. Replacing a worn-out unit with a more energy-efficient model can cost you more upfront but will pay for itself over time with energy savings. We make it easy to apply for a home improvement loan so your home will feel comfortable and cozy again.


Build Your Dream Deck

Well-built decks can last for decades, but sometimes weathering and use can cause them to wear out faster. If you’re facing costly repairs or looking to make your outdoor patio area the envy of the neighborhood, Bank of Tennessee is here to help. With our Home Improvement Loan, you can get the funds quickly to start building your outdoor oasis fast and hassle-free.

Spend today and save for years

Solar Energy Panels

Many people are considering investing in supplemental energy sources like solar energy panels. Installing solar panels is a smart way to increase the value of your home, lower your monthly energy bills, and maintain power during electrical outages. Our Home Improvement Loan can help you pay overtime instead of investing a large amount upfront.