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Loans as much as 36 months include rates as low as 8.99%, but that rate jumps as much as 15.29% for loans that are 37 months or longer. Navy Federal offers home improvement loans to members, and membership is open to all navy members and their families. Navy Federal provides low charges and super flexible compensation terms , and debtors can get loans as small as $250. Though Regions is a large regional financial institution, it operates in solely 16 states, and you must have an existing banking relationship to access its home improvement private loans. It additionally rewards good …