Your home is more than a place—it’s where life happens. Whether you’re planning a kitchen update, replacing worn‑out flooring, or tackling essential repairs, a Home Improvement Loan from St. Mary’s Bank gives you a straightforward, affordable way to move forward.
With fixed rates and flexible terms you can focus on improving your space—without the complexity of home equity lending.
Our Home Improvement Loan makes it easy to finance renovations and upgrades—from kitchens and flooring to the projects at the top of your wish list—with competitive rates, flexible repayment terms, and a simple application process.
A Home Improvement Loan can be used for a wide range of projects, including:
If you’re planning a larger project and need access to more funds, you may also want to explore our Home Equity Line of Credit with Lock Option (HELLO).
Ready to finish or check the status of your application? Click here.
Making your home more energy efficient is good for your wallet and the environment. Our Green Rate Loan offers a lower fixed rate for qualifying energy‑efficient upgrades, helping you reduce utility costs and add long‑term value to your home.
Common qualifying projects include:
Ready to finish or check the status of your application? Click here.
To see important details, including additional rates and terms, visit the Consumer Loan Rates Page.
To check the status of a consumer loan (home equity, credit card, personal loan, or vehicle loan) in progress, visit here.
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