Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What are the best options for home improvement loans? - My husband and I filed for bankruptcy six years ago. Our credit scores, we recently found out are still only in the upper 600's. When we recently bought a car we were told we did not qualify for the 0 interest because we had filed bankruptcy. We now would like to get a home improvement loan but not sure what the best option for us would be.