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How to finance home improvements without equity loans?

I am living in a rented house, but now I have bought my own house, because I am tired of paying the rent. But my new house needs some home improvements and I don’t have much money with me. I have calculated from home improvement calculator and it says that I have to spend nearly $20-30K for all that I need in my house. I don’t want to put all this money on credit cards. so i want to ask, Are there any options to get the money to do all that I want and pay it off in 15 years or more? please don’t suggest 5 yr lone, credit card loan and 203 loan?

Dr Prem Jagyasi and Team

Dr Prem is an award winning strategic leader, renowned author, publisher and highly acclaimed global speaker. Aside from publishing a bevy of life improvement guides, Dr Prem runs a network of 50 niche websites that attracts millions of readers across the globe. Thus far, Dr Prem has traveled to more than 40 countries, addressed numerous international conferences and offered his expert training and consultancy services to more than 150 international organizations. He also owns and leads a web services and technology business, supervised and managed by his eminent team. Dr Prem further takes great delight in travel photography.

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