Please note that we have planned maintenance scheduled for the week of May 25th. 
You may experience slower transaction processing during this time. We appreciate your patience.

Digital Banking will be undergoing scheduled maintenance on Sunday 5/25/25 during the hours of 3AM-8AM EST and  8PM-9PM EST. During this time, there may be a disruption of service. We apologize for any inconvenience.

Whether you need to build it, fix it, or expand it, a home improvement loan can help you afford it.

Introduction

If there's a fact of life for homeowners, it's this: there's always another project.

That doesn't have to be such a bad thing, though. In general, the money you put into your home is money you get back. Whether that's by building some equity or just enjoying your space a little more, you can consider a home improvement as one investment with two repayments.

Check out our rates and extended terms to find out how a home improvement loan can be a smart choice with a big payoff.

Eligible Lending Counties - Geographic Boundaries

Visions can lend to the following areas if a person qualifies for membership:

New Jersey:

Bergen, Essex, Hudson, Hunterdon, Monmouth, Middlesex, Morris, Passaic, Somerset, Sussex, Warren, and Union

New York:

Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Dutchess, Jefferson, Livingston, Madison, Monroe, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Rockland, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne, Westchester, Wyoming, and Yates.

Pennsylvania:

Berks, Bradford, Carbon, Chester, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Monroe, Montgomery, Northampton, Pike, Schuylkill, Susquehanna, Tioga, Wyoming, and York.