Personal / home improvement loan
Unsecured, often funded in days, no home equity needed. Rate depends heavily on credit — available through banks, credit unions, and online lenders.
Home equity loan / HELOC
Secured by your home, usually the lowest rates if you have equity. A home equity loan gives a lump sum; a HELOC is a revolving line, often variable-rate.
State & FEMA grants
Several states run safe-room rebate programs, and FEMA's Hazard Mitigation Grant Program can help fund shelters in eligible areas. See FEMA safe room funding.
How this estimate is calculated
Monthly payment is calculated with a standard loan-amortization formula, using the APR range below for your selected credit tier and financing type. Rates reflect published national averages as of September 2026 and move with the broader rate environment — treat every figure here as an estimate, not a quote.
| Credit range | Personal / home improvement loan | Home equity loan / HELOC |
|---|
| Excellent (740+) | 7% – 12% | 6.5% – 8% |
| Good (670–739) | 12% – 18% | 8% – 10% |
| Fair (620–669) | 18% – 26% | 10% – 11.5% |
| Limited (below 620) | 26% – 36% | Typically not eligible |
US Safe Room is not a lender, broker, or financial advisor. This calculator is provided for general educational purposes only, using publicly reported industry-average interest rates. It is an estimate, not an offer of credit — actual rates, terms, and eligibility are set solely by the lender you choose to work with. Consult a qualified lender or financial advisor before making a financing decision. Grant and rebate program availability varies by state and is subject to change; confirm current details with FEMA or your state emergency management office.
Ready for real numbers?
Fill out the form above and we'll follow up with financing options that fit your project.
