Home Improvement

Looking for money to repair your home? Even if your credit is less-than-perfect you may qualify for a loan. The Urban Affairs Coalition works with the City of Philadelphia and community lenders to offer flexible loans for eligible borrowers to improve their homes, make energy-related improvements and even consolidate some debt.  

PHIL-Plus and Mini-PHIL Loan Home Improvement Loans

Avoid predatory lending with this bank loan program designed for Philadelphia homeowners with less-than-perfect credit. The PHIL-Plus and Mini-PHIL Loans can be used for home repairs and paying off debts, including past due utility bills. CED partners with two banks and 27 nonprofit housing counseling agencies to provide the loans. To go through the program applicants undergo a free one-time counseling session and then are referred to the bank of their choice.

The Mini-PHIL is worth up to $15,000 with Citizens Bank and $10,000 with PNC Bank and is best for basic home repairs. The PHIL-Plus may be worth up to $25,000 for homeowners who have larger projects such as remodeling. You can use up to half of either loan to pay off existing debt. Neighborhood housing counselors provide free assistance to help you apply for the loan.

Click here to learn about Eligibility Requirements, Approved Lenders and More!

Home Improvement Workshops

UAC works with community organizations to provide home improvement workshops where topics such as avoiding scams, weatherization and choosing a contractor are covered. Contact Stephanie Miller at 215-851-1847 or smiller@uac.org if you would like more information about the community workshops or referral to a neighborhood housing counseling agency.

Frequently Asked Questions

Click here for a complete list of frequently asked questions.