The Provident Bank is offering five-, 10- and 15-year home equity loans with no application fees. The APRs on the accounts range from 4.875% on five-year loans to 5.125% on 15-year loans. The loans are all fixed-rate loans, meaning the terms of the agreement will not change for the entirety of the deal.

It’s also great way to afford those home improvements you’ve been planning.

Iif you borrowed $1,000:

5-year loan

$18.81/month (60 payments)

10-year loan

$10.61/month (120 payments)

15-year loan

$7.97/month (180 payments)

How to get started

Visit their web at http://www.providentnj.com