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Make Your Home More Energy Efficient

Replacing old HVAC units with a newer system, encapsulating a crawl space, or repairing your roof or windows can get pricey. A Home Smart Loan from Carolina Trust makes paying for any residential energy efficient investment more affordable! With low rates and flexible terms, you’ll help make your home’s energy bill and carbon footprint smaller.

    • Borrow up to $25,000
    • Low loan rates*
    • 48, 60, or 72 month terms
    • First payment can be deferred for up to 60 days**

*Loan approval and approved Annual Percentage Rate subject to credit worthiness.
**First payment deferral is optional. If you defer your first payment, your monthly interest payment may be higher than non-deferred payments. Interest charges will continue to accrue at the agreed rate stated in loan agreement. 

Home Smart Loan Rates

TypeFeatures and/or Approximate Term*Annual Percentage Rate (APR)*
Home Smart Loanup to 48 months for up to $5,000as low as 8.24% APR
60 months for $5,001-$15,000as low as 9.74% APR
72 months for $15,001-$25,000as low as 12.24% APR

These rates were last reviewed and/or updated on 04/19/2024.
*The approximate term used to calculate payments for the Credit Union’s loan products. Loan approval and approved Annual Percentage Rate (APR) are subject to credit worthiness. Advertised APR includes a 0.25% rate reduction for automatic draft. Advertised rates are subject to change without notice. Contact a Carolina Trust loan specialist for more details. Financing Example: A personal loan of $10,000 at 9.74% APR for a term of 60 months would result in a monthly payment of approximately $211.19.

APR ranges from 8.49% to 17.49%. Repayment terms from 48 months to 72 months.

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