Many of the lenders we now have researched have a minimum credit score rating requirement of 660. Check with potential lenders for their particular credit score score requirements. Most home improvement loans have phrases between two and 12 years, though some lenders supply phrases longer than that. Many lenders let you select your term length, which can give you some control over your month-to-month cost. The key difference between a house improvement loan and a home equity loan is that the latter is secured by your personal home equity.

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