Kitchen Loans
Your trusted one stop shop for all the best home improvement loan programs
AMS Financial

Easy Instant Loan Decision Programs for Home Owners and Contractors

Additional unsecured home improvement loans

Our most popular Unsecured (no equity required) program  
  • Loan amounts $10,000-$100,000.
  • Available in all 50 states.
  • Rates 4.99%- 6.99% and no prepayment penalty.
  • Same day approvals.
  • Fast same day funding possible.
  • Terms as long as 7 years / 84 months.
  • Excellent and substantial credit required- Minimum of 700 Experian.
  • Backed by a $ 170 billion bank.

(Available 3/25/13 AM) 

Traditional Unsecured Home Improvement Loans

Step 1: Click on both of the loan offers below to see which program offers you the best rate, term and payment options. Start by clicking on "Get Rate" or "Check Your Rate" on each site. You will get an immediate loan decision on your application — takes about 2 minutes.

  • Don't worry it won't affect your credit scores or count as an inquiry on your credit
  • Husband and wife should apply individually since these programs do not allow co-borrowers
  • Insider Tip — You can get a lower rate if you split the intended loan amount into 2 smaller loans (i.e., if you need $10,000 husband should apply for $5,000 and wife for $5,000 — you will get lower rates)
  • Both programs are backed by major Federal banks — You are in good hands!

Don’t know your exact scores? Click here for your free credit scores

Step 2: If you are approved and want to move forward with the loan, please follow instructions to list your loan to be funded.

Step 3: Please watch your email for alerts or questions about your loan and promptly answer any questions to insure timely funding.

Step 4: Loan Funding — This takes 3 days – 2 weeks to have money in your bank account.

Step 5: If you were declined you should probably take a current look at your credit scores and report to see what is going on. Good scores do not guarantee a low rate or approval it is just one factor. Other factors that weigh in on underwriting decisions are length of credit history, outstanding balances, debt ratio, public records, disposable income etc. Check your credit report and scores here.


More Unsecured Loan Options Below



  • money the same day if your are approved by noon
  • simple & secure personal loan application
  • fixed interest rates
  • instant response
  • choose your own payment date
  • face-to-face service in your neighborhood
  • 14-day guarantee
  • no prepayment penalties
  • get up to $10,000 as soon as tomorrow
Not available to residents of Alaska, Arkansas, Connecticut, Massachusetts, Nevada, Rhode Island, Vermont or Washington, D.C.


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