About
Viking Capital acts in the capacity of “consultant”, working with contractors nationwide to help pair home owners with the best home improvement financing options available.
Home Improvement Financing
Turn Your LIVING SpaceInto Your HAPPY Place!Desirable loan options and personal attention every step of the way!
Home Improvement Financing
Desirable loan options and personal attention every step of the way!Turn Your LIVING Space Into Your HAPPY Place!It won’t hurt your credit
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(it won’t hurt your credit)
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We strive to provide a 5-Star worthy experience to every customer.
Loan Options*
Submit your loan application and Viking Capital helps you select the best loan for your needs and qualifications.
Rates as low as 7.74%
Terms up to 20 Years
Loans up to $225K
Scores as low as 650
(*see details below)
Complete The Application Form
Your assigned loan consultant (your go-to person) will contact you shortly to discuss your loan options.
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Military Discounts!
Lowest rates with military affiliation (applicant or lineal relative).
Click here for details.
*Viking Capital offers a variety of loans that vary in rate, term, loan limits and approval conditions. Terms and conditions are based on borrower (and co-borrower if applicable) needs and qualifications, are subject to change, and may expire without notice. Applicants are eligible for a free financing consultation and advised of all their loan options and pertaining details with no obligation and based on a soft credit pull that will not hurt their credit. Some loans may be combined for higher loan amounts.
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FREE Loan Consultations and payment details for all applicants!
Affordable Monthly Payments
A Quality of Life Investment
The decision to renovate your house is a big one. It is a big financial investment, but it’s also a huge quality of life investment.
Our home improvement loans are designed to spread the cost of the project over many years, so the monthly payments are affordable. The smiles start here!
Personalized Service
We keep you informed!
We are a family owned business since 1999 and will treat you like the valued customer that you are. We continue to invest in technology so that our Top-Notch team can work efficiently and spend more quality time with each and every customer.
Our Story
Military Appreciation Everyday!
Lowest rates for military families!
Our staff and business partners are proud to offer lowest rates to those with military affiliation (past or present), so that they can afford to make the home renovations they need and deserve for themselves and for their families.
Eligibility Details
Frequently Asked Questions
Your Loan Consultant is your go-to person for additional information.
What is an unsecured home improvement loan?
Unsecured Home Improvement Loans
Unlike an unsecured personal loan that can be used for any purpose, home improvement loans are designed specifically for financing major home remodels, renovations, swimming pools and the like. They are usually for projects exceeding $25,000 and offer desirable rates and extended loan terms (up to 20 years) so borrowers will have affordable monthly payments. These loans do not require property as loan collateral. Instead, the lenders look at a borrower’s ability to pay (income and debt) and creditworthiness (credit scores).
Do I have to pay any fees for my loan?
Pool Loan Fees
Loan terms, including fees, vary and change frequently. It’s important to consider all loan terms when comparing loans, including rate, term, loan amount and fees, if applicable. Your Viking Capital representative will disclose all terms for comparison and so you can make an informed decision.
I’m not sure how much my home improvement with cost, should I still apply?
Not Sure How Much You Need To Borrow?
Yes. We can start the loan process even if you are unsure of your project cost. You can estimate the cost or provide us the amount you have budgeted for your project. Your Viking Capital representative will advise you on your loan options, including the monthly payment amount you can expect to pay with your estimated loan amount.
How are the funds dispersed?
How Funding Disbursements Work
Some loans will disperse the entire loan amount into your account at the completion of the loan process. Other loans make disbursements directly to your contractor/builder at pre-defined work milestones, per your contract, that you acknowledge as complete.