Personal Banking

Put your home improvement project on the fast track!

No Equity? No Problem!

What’s next on your list – roof or window repairs? A new furnace, patio, or driveway? An exterior paint job? No matter what the project is, our Home Improvement Express Loan lets you get the job done fast.

Couple drawing out a plan

  • Borrow as little as $1,000 or as much as $20,000 without tapping into your home’s equityChoose your term with a fixed monthly payment
  • Get your funds in as few as three days, with an easy application and same-day approvals*
  • Lock in a low fixed rate of 6.250% (6.248% APR)*
Couple looking at a tablet together

Apply Online Today!

Getting started with your application is easy! Select Home Improvement Express Loan in the drop-down menu on the application page. 

*Funds available within 3 days after receipt of required documentation. All loans subject to credit approval. Rates effective as of December 20, 2016. Rates may change without notice. A 5-year fixed rate loan of $10,000 with an interest rate of 6.250% (6.248% APR) would result in 60 payments of $193.27 each. Annual Percentage Rate(s) requires auto deduction from a Washington Trust checking or savings account. Fixed rate of 6.250% (6.248% APR) (with autopay discount) up to 5 year terms; 6.750% (6.749% APR)(with autopay discount) terms from 5 to 7 years. Rates may change without notice. Borrower must be a homeowner residing in Rhode Island with the proceeds used for home improvements. Minimum loan amount $1,000; maximum loan amount $20,000. Other restrictions may apply. Member FDIC, NMLS #414726

Customer Solutions Center

(800) 475-2265



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(800) 226-5877


Tambien disponible en español. Banca telefónica disponible 24/7/365!