Personal BankingLoans Home Improvement Loans Transform any house into your dream home. We offer competitive rates for a variety of home improvement projects — from roof repairs to kitchen renovations. No need for collateral means no risk to your home. Town and Country Bank and Peoples Prosperity Bank offer the best way to finance home improvement. Benefits of a Home Improvement Loan Competitive low rates Borrow up to $10,000 Not secured with real estate Repayment terms customized to fit your unique needs What can I use a Home Improvement Loan for? Renovations and repairs to your home not only extend the life of your home, they often increase your home’s market value. Making these improvements now ensures that you have the opportunity to enjoy the changes while you live there. Some examples of projects that qualify for home improvement financing include: Landscaping Roof repairs Kitchen and bathroom renovations Adding a room or garage Building a deck Exterior painting Installing a security system And much more! Home Improvement Loan vs. HELOC An unsecured home improvement loan is a personal loan from Town and Country Bank and Peoples Prosperity Bank. Applicants must provide receipts or estimates that support the home improvement financing they are requesting. A HELOC uses an evaluation of your current mortgage and home’s market value to determine the amount of equity you have in your home. A HELOC then allows you to access a portion of that equity with your house as collateral. Why Choose Us? Town and Country Bank and Peoples Prosperity Bank serve and empower local communities in Central Illinois and Metro East, one person at a time. Locally owned and operated, we treat our clients like family. Apply online today or visit a local office. Our friendly and attentive staff welcomes you to any of our branch locations in Springfield, Buffalo, Jacksonville, Lincoln, Decatur, Mt. Zion, Edwardsville, Fairview Heights, and Quincy, and our loan production office in Bloomington.