Homeowner Personal Loan

A Little More Flexibility for Homeowners.

Home projects, unexpected expenses, or consolidating debt? You've got options.

Owning a home comes with plenty of plans—and sometimes a few surprises. Whether you're updating your kitchen, tackling repairs, or looking to simplify your debt, Accentra Credit Union's Homeowner Personal Loan can help you move forward without borrowing against your home's equity.

With competitive rates and flexible repayment terms, it's another way we're making banking simply better.

Homeowner Personal Loan Benefits You'll Love

  • Borrow up to $20,000
  • Rates as low as 8.90% APR*
  • Flexible repayment terms up to 84 months
  • No need to borrow against your home's equity
  • Use funds for home repairs, remodeling, debt consolidation, and other eligible personal expenses
  • Friendly, local lending support

Apply for a Homeowner Personal Loan

Your Home. Your Plans. Your Loan.

A Homeowner Personal Loan isn't just for home improvements. It's flexible financing designed to help eligible homeowners manage life's bigger expenses.

Home Repairs & Improvements

From a new roof to a bathroom refresh, get financing for repairs, upgrades, and projects around your home.

Remodeling & Renovations

Ready to update your kitchen, finish the basement, or make your space work better for your family? Explore financing to help bring your plans to life.

Debt Consolidation

Managing multiple payments? Consider using a Homeowner Personal Loan to consolidate eligible debts into one monthly payment. Whether consolidation saves you money depends on your current debts, new rate, repayment term, and any applicable fees.

Other Personal Expenses

Life doesn't always go according to plan. Whether it's a planned purchase or an unexpected expense, our lending team can help you explore your financing options.

Apply for a Homeowner Personal Loan

Who Qualifies for a Homeowner Personal Loan?

This loan is designed specifically for homeowners.

To be eligible, you must:

  • Be a verifiable homeowner

  • Own and occupy the property as your primary residence

  • Meet Accentra's credit and lending requirements

You don't need to use your home's equity to qualify. This is a personal loan, not a home equity loan or line of credit.

Questions? 

Email [email protected] or contact one of our Financial Service Representatives at 1-800-533-0448.

Homeowner Personal Loan FAQs

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Do I have to use the loan for home improvements?

No! Although this loan can be used for home repairs and remodeling, it can also help with debt consolidation and other eligible personal expenses.

Do I need equity in my home?

No. The Homeowner Personal Loan does not require you to borrow against your home's equity. However, you must be a verified homeowner who occupies the property.

How much can I borrow?

Qualified borrowers can apply for up to $20,000.

How long do I have to repay the loan?

Repayment terms are available up to 84 months, depending on your loan qualifications.

Can I use the loan to consolidate debt?

Yes! You may be able to consolidate eligible debts into one loan with a single monthly payment. Our lending team can help you explore whether this makes sense for your financial situation.

Do I have to own the home I live in?

Yes. Applicants must be able to verify homeownership and occupy the property.

How do I apply?

You can get started through Accentra's online consumer loan application. Our lending team is also happy to help answer questions about the process. You can email [email protected] or call 1-800-533-0448.

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