Home Improvement Loans

APPLY NOW Get your Pre-Approved Rates
We search the entire loan market,
so you don't have to, without affecting your credit score!

You can easily compare and choose the best loan for you, from £2,000 to £25,000.
PersonalLoansNow's Loan Options on an iPhone

At Personal Loans Now, we can provide secure home improvement loans that can fund those much-needed changes to your home. We can show you low APR home improvement loans ranging between £10,000 up to £250,000. We can offer flexibility on repayments up to 10 years. Click apply now, and we’ll show you over 40+ lenders that can offer you the best rates on home improvement loans.

Apply Now!

What Are the Best Home Improvement Loans?

The best home improvement loans are low interest, offering affordable repayments. This will allow you to budget accordingly. We can help find you the best home improvement loans that allow you to see what’s available on the entire market. We’ll connect you with 40+ direct lenders who are best placed to provide both small and large home improvement loans. If you’re thinking of improving the garden, getting a newly fitted kitchen or converting the garage, we can help. We will find the best secured home improvement loans that work for you.

How Do Secured Home Improvement Loans Work?

Like most secured loans, home improvement loans can be applied from £10,000 up to £250,000. Due to the larger amounts involved, they will usually be secured against a personal asset. Secured borrowing would normally be tied to your property, car or other valuables. In the event the loan defaults, the asset will be used to repay the debt. For this reason, there is a higher risk for the borrower as personal property will be used as collateral. The best unsecured loans, which can be taken out for amounts between £1,000 and £25,000, have a lower risk. This is due to the lower amounts involved and do not require anything secured to the loan as an asset. You will need to carefully consider which type of loan you would prefer to apply for and the amount you want to have. If you can take out less money overall, this may work out better for the amount of interest you need to pay.

What Are Secured Loans?

How Much Should I Borrow for Home Improvement Loans?

If you’re unsure of how much you want to borrow and what the interest charge will be, use our secured loan calculator. The calculator is simple to use and will instantly show you the potential loan you could apply for. If you find the loan amount, term and repayments you would like to apply for, click apply now. We can get to work with showing you the lenders who can match your requirements.


As responsible lenders, we want to ensure the higher loan amount you want to borrow matches your affordability. You should carefully consider your situation before applying for any form of home improvement loan. We recommend you only borrow what you need and try to avoid applying for large home improvement loans. If you can fund your home improvements with less money, or if you have the savings, you should consider doing this instead.


Secured Home Loans vs Unsecured Loans

Both unsecured and secured loans have their benefits depending on your current financial situation, how much you’re looking to borrow and whether you have an asset to offer as collateral.

How Can I Be Eligible For Home Improvement Loans?

To be eligible to apply for a home improvement loan, you’ll need to meet the following requirements:

  • Are aged 18 years or over
  • Have a UK bank account
  • Are a current UK resident
  • Have a regular source of income

Apply for Personal Loan Now

Apply Now!

The above is a minimum requirement to apply for secured home improvement loans. They are not a guarantee you’ll be approved. At Personal Loans Now, you’ll be required to undertake a credit search as part of your application. This is so that we can ensure that your affordability is in line with the loan terms you want.


Can I Apply for Home Improvement Loans with Bad Credit?

If you’re looking for the best home improvement loans for bad credit, you can apply but may be limited to how much. Most bad credit loans will be capped at £7,500 as they are unsecured. The amount you can borrow with secured loans with bad credit means you won’t be able to apply for amounts as high as £250,000. You’ll need to consider with secured home improvement loans that the interest will be higher with bad credit. If you’re looking for a loan with bad credit, you may be better with looking at guarantor loans. This is because someone will co-sign the agreement. The lender will see less risk and improve your chances of being approved.

Need a Home Improvement Loans

Get Your Loan With Personal Loans Now


Home Improvement Loans FAQs

How Quickly Can I Get a Home Improvement Loan?

Once you click apply now, the process for getting a home improvement loan can move quickly. Filling in an application will take just 3 minutes to complete, with a decision taking just 90 seconds to be approved. This means that you can receive the loan amount you want into your bank account on the same day. If you need money fast for emergency home improvements, we can provide the funds from an FCA authorised lender. You can receive this quickly and start putting the money to good use.

Why Should I Choose Personal Loans Now for Home Improvement Loans?

As a direct lender and broker, we can other you the rates you’ll find on the market for home improvement loans. Some of the main reason’s customers choose us include:

  • Fully Online Application – you can apply completely online, without having to wait for paperwork to be sent.
  • Low APR Rates – we can show you the lowest rates on home improvement loans available.
  • High Acceptance Rates – we are proud to help our customers, with 50,000 approved loans and counting.
  • Instant Approval – we can provide you with a decision in just 90 seconds.
  • Same Day Funding – receive the money into your bank on the same day.

Is it Safe to Apply for Secured Home Improvement Loans Online?

Absolutely, we use a secure server that keeps your personal details private. This allows you to have a seamless online experience when applying through Personal Loans Now. As an FCA authorised lender, we work to strict guidelines to ensure you receive the funds you need. All whilst staying safe and secure online. Your details will only be shared with the lender you want to continue your application with. You can have peace of mind that an application with us is kept private.

Can I See Loan Offers for Home Improvement Loans without a Credit Check?

Yes, we can provide you with a personalised table of offers without your credit file being searched. This way, you can fully review all the available offers and decide on the right one for you. This is without affecting your credit score. Once you have decided on the lender, a credit search will be needed as part of the approval stage. This is to check your credit score and ensure you can afford to make repayments. We consider more than your credit score, with your affordability checked to have a higher chance of approval. As long as you can afford the loan you want, you have every chance of being approved.

I’m in Financial Difficulty, Can I Still Apply for Home Improvement Loans?

If experiencing financial difficulty, we recommend considering if home improvement loans are suitable. Applying for more credit when you already have other forms of debt can leave you with a weaker credit score. This will also provide more risk to a lender. We recommend you fully check your income and outgoings before an application is submitted. A free organisation, like the Money Advice Service or Citizens Advice, can give impartial advice. As responsible lenders, if you’re in financial difficulty, you have much less chance of being approved for a loan. To help protect you from further problems, this will also protect the lender from a high risk applicant.

Apply Now

Apply now for personal credit and get an instant decision!