Home Improvement Loans

All loans are made by Cigna Funding LLC, a Florida state Limited Liability Company. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed. This is not a deposit product. 

Qualified prospective customers using Cigna Funding will see loan options for a 36 or 60 month term, and APR ranges from a minimum of 12.0% (rate with autopay discount) to a maximum of 35.99% (rate without autopay discount) depending upon their credit profile. An origination fee of up to 7% is charged for each loan. This fee is deducted from the balance before funds are disbursed to the client. For example, a 60 month $15,000 loan with a 17.5% interest rate and a 5% ($750) origination fee would have 60 scheduled monthly payments of approximately $  357.99  . Borrower must be a U.S. citizen or permanent U.S. resident at least 18 years of age. All loan applications are subject to credit review and approval and offered loan terms depend upon credit score, requested amount, requested loan term, credit usage, credit history and other factors. Not all borrowers receive the lowest interest rate. To qualify for the lowest rate, you must have excellent credit, meet certain conditions, and select autopay. Rates and Terms are subject to change at any time without notice.

Married applicants may apply for a separate account.

Same Day Funding available for clients completing the loan process and signing the Promissory Note by 2:00PM ET on a business day. Also note, the ACH credit will be submitted to your bank the same business day. This may result in same day funding, but results may vary and your bank may have rules that limit our ability to credit your account. We are not responsible for delays which may occur due to incorrect routing number, account number, or errors of your financial institution.

Please refer to our  terms of use for additional terms and conditions, and to Cigna Funding' Privacy policy to learn more about what we do with your personal information. 

FL Consumer Finance License number CF9901597