Frequently​ Asked
Questions

Established in 1999, Viking Capital is a family-owned business proudly helping homeowners invest in their homes to improve their quality of life. Viking Capital acts in the capacity of “consultant”, working with lenders to pair homeowners nationwide with the most desirable swimming pool/home improvement financing options available. Once your application is submitted, one of our loan consultants will help you select the best loan for your needs and qualifications.

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).

In some cases, a loan approval and disbursement of funds can occur in one day – even the same day! However, some loans require documentation from the borrower as proof of eligibility. So as the borrower, you can impact the process timeline. Be assured, Viking Capital has a great processing team who works with each borrower and lender to expedite the loan process.

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.

Your monthly loan payment is dependent on the following: Credit profile, term, and loan amount. Check out our Loan Calculator page to figure out what your monthly payment might be.

Rates are dependent on the individual applicant’s credit profile. We offer terms up to 20 years. Your Viking Capital Loan Consultant will go over all rates and terms with you up front.

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. For more information, see our blog post about fees.

Simply apply online to receive your free loan consultation within 1-2 business days. We only do a soft credit pull, so it does not hurt your credit. There’s no obligation to move forward.