The Lenders Community Survey gathers homeowners feedback and 150 lenders recommendations for Florida home improvement loans. Shopping for a home improvement loan or renovation loan can be complicated and we gathered data to help your choice.
Updated: February 17, 2025
<< Human Powered Recommendations >>
Top Lenders for Home Improvement Loans
Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St-Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay, Online lenders.
Recommendations are gathered from members who shopped and requested a home improvement loan in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home improvement loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home improvement loan?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
Miami – Home Improvement Loans Lenders
Miami Dade has lots of banks and credit unions offering home improvement loans. The Community Survey most recommended lenders are Tropical Financial Credit Union and City National Bank of Florida for Miami’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 84% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 79% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 85% |
| TD Bank | Bank | 4.5 | 4.0 | 4.0 | 92% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 78% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 87% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Citibank | Bank | 3.5 | 3.5 | 3.5 | 89% |
| Tropical Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 97% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Dade County Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| City National Bank of Florida | Community Bank | 4.5 | 4.5 | 4.5 | 96% |
| Amerant Bank | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
Fort Lauderdale – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Fort Lauderdale area are Power Financial Credit Union and BrightStar Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 78% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 80% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 77% |
| TD Bank | Bank | 4.5 | 4.0 | 4.0 | 81% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 86% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 83% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Citibank | Bank | 3.5 | 3.5 | 3.5 | 90% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| BrightStar Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 94% |
| Broward Health Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 89% |
| Valley Bank | Community Bank | 4.0 | 4.0 | 4.0 | 91% |
| Florida Community Bank | Community Bank | 4.0 | 4.0 | 4.0 | 87% |
| Optimum Bank | Community Bank | 3.5 | 3.5 | 3.5 | 89% |
Palm Beach – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Palm Beach area are Palm Beach County Credit Union and Seacoast National Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 79% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 78% |
| TD Bank | Bank | 4.5 | 4.0 | 4.0 | 77% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 83% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 87% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 79% |
| Citibank | Bank | 3.5 | 3.5 | 3.5 | 83% |
| Palm Beach County Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 96% |
| Power Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| Tropical Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 85% |
| Seacoast National Bank | Community Bank | 4.5 | 4.5 | 4.5 | 98% |
| First Citizens Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| Legacy Bank of Florida | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
Tampa – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Tampa’s area are Suncoast Credit Union and The Bank of Tampa.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 75% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 79% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 83% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 79% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 78% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 71% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Suncoast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| GTE Financial | Credit Union | 4.5 | 4.5 | 4.5 | 77% |
| Grow Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 78% |
| BayFirst National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 81% |
| Pilot Bank | Community Bank | 4.0 | 4.0 | 4.0 | 82% |
| The Bank of Tampa | Community Bank | 4.5 | 4.5 | 4.5 | 84% |
Orlando – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Orlando area are Fairwinds Credit Union and Addition Financial Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 86% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 82% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 83% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 81% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 83% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Fairwinds Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Addition Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Orlando Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 89% |
| Central Florida Educators Credit Union (CFE) | Credit Union | 4.5 | 4.5 | 4.5 | 86% |
| Partners Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 83% |
| Old Florida National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 80% |
St-Petersburg – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for St-Petersburg area are SunCoast Credit Union and GTE Financial.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 81* |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 79% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 74% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Suncoast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| GTE Financial | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Grow Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 77% |
| Raymond James Bank | Community Bank | 4.0 | 4.0 | 4.0 | 83% |
| Freedom Bank | Community Bank | 4.0 | 4.0 | 4.0 | 87% |
| Bank of Central Florida | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
Jacksonville – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Jacksonville area are Vystar Credit Union and Community First Credit Union of Florida.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 84% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 80% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 85% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 87% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 89% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Vystar Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 96% |
| Community First Credit Union of Florida | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Jax Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 79% |
| Ameris Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
| First Federal Bank of Florida | Community Bank | 4.0 | 4.0 | 4.0 | 81% |
| Atlantic Coast Bank | Community Bank | 4.0 | 4.0 | 4.0 | 78% |
Fort Myers – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Fort Myers area are Achieva Credit Union and Sanibel Captiva Community Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 86% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 81% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 78% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 88% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 86% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 87% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Achieva Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Florida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 85% |
| Sanibel Captiva Community Bank | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| FineMark National Bank & Trust | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| First National Bank of Florida | Community Bank | 4.0 | 4.0 | 4.0 | 90% |
Lakeland – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Lakeland area are MidFlorida Credit Union and CenterState Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 88% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 84% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 88% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 89% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 84$ |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 79% |
| MidFlorida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 85% |
| Achieva Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 96% |
| Florida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| CenterState Bank | Community Bank | 4.0 | 4.0 | 4.0 | 94% |
| Citizens Bank & Trust | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| Community Southern Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
Palm Bay – Home Improvement Loans Lenders
The Community Survey most recommended home improvement loan lenders for Palm Bay area are Space Coast Credit Union and Achieva Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 88% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 79% |
| Chase | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Truist | Bank | 4.0 | 3.5 | 3.5 | 82% |
| Regions Bank | Bank | 3.5 | 3.5 | 3.5 | 80% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.0 | 78% |
| Fifth Third Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Synovus Bank | Bank | 4.0 | 4.0 | 4.0 | 92% |
| Space Coast Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Achieva Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Florida Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| Harbor Community Bank | Community Bank | 4.0 | 4.0 | 4.0 | 90% |
| First National Bank of Florida | Community Bank | 4.0 | 4.0 | 4.0 | 89% |
| American Momentum Bank | Community Bank | 4.0 | 4.0 | 4.0 | 85% |
Online Lenders – Home Improvement Loans in Florida
The Community Survey most recommended lenders online lenders are LightStream and SoFi.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| SoFi | $5,000 – $100,000 | 8.99% – 25.81% | 2 to 7 years | 4.5 | 4.5 | 4.5 | 93% |
| LightStream | $5,000 – $100,000 | 7.99% – 25.49% | 2 to 12 years | 4.5 | 4.5 | 4.5 | 91% |
| LendingTree | $1,000 – $50,000 | Varies by lender | Varies by lender | 4.0 | 4.0 | 4.0 | 81% |
| Upgrade | $1,000 – $50,000 | 8.49% – 35.99% | 2 to 7 years | 4.0 | 4.0 | 4.0 | 79% |
| Prosper | $2,000 – $50,000 | 6.99% – 35.99% | 2 to 5 years | 4.0 | 4.0 | 4.0 | 73% |
| Best Egg | $2,000 – $50,000 | 8.99% – 35.99% | 3 to 5 years | 4.0 | 4.0 | 4.0 | 71% |
| Avant | $2,000 – $35,000 | 9.95% – 35.99% | 2 to 5 years | 4.0 | 3.5 | 3.5 | 81% |
| Marcus by Goldman Sachs | $3,500 – $40,000 | 6.99% – 24.99% | 3 to 6 years | 4.0 | 4.0 | 4.0 | 81% |
| Payoff | $5,000 – $40,000 | 5.99% – 24.99% | 2 to 5 years | 4.0 | 4.0 | 4.0 | 82% |
| Figure | $15,000 – $400,000 | 5.75% – 14.75% | 5 to 30 years | 4.5 | 4.5 | 4.5 | 79% |
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