Personal Banking

No Equity? No Problem!

Our Home Improvement Express Loan is a great way to help pay for big or small upgrades and remodels to your home.

Couple drawing out a planWashington Trust’s Home Improvement Express Loan is perfect for financing roof or window repairs, a new patio or driveway, a new furnace, or any other home improvement on your list.

  • You can borrow as little as $1,000 or as much as $20,000, without tapping into your home equity.
  • Choose your term with a fixed monthly payment.
  • With an easy application and same day approvals, your funds may be available within 3 days*
  • Low Fixed Rate of 5.490% (5.491% 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 October 1, 2016. Rates may change without notice. A 5-year fixed rate loan of $10,000 with an interest rate of 5.490% (5.491% APR) would result in 60 payments of $190.98 each. Annual Percentage Rate(s) requires auto deduction from a Washington Trust checking or savings account. Fixed rate of 5.490% (5.491% APR) (with autopay discount) up to 5 year terms; 5.990% (5.993% 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