If you need a loan for home renovation or improvements, look for the cheapest loan for the term you want to repay it over.

Before you compare home improvement loans, think about:

  • How much you need: Only borrow enough to cover the cost of your home improvements to avoid paying any unnecessary interest on your loan.

  • What you can afford to pay monthly: The term of your loan will affect how much you pay back each month. The longer the term, the cheaper your loan repayments.

This comparison only shows unsecured loans, which you can apply for without needing to secure it against your property.

If you own your home, you could apply for a secured loan instead.

Do you always get the advertised rate?

No, the advertised rate is often the best rate a lender can offer. The rate you get may differ depending on:

  • Your age: You need to be at least 18 years old to apply for most loans, but there is also an age cut off, such as 70.

  • Your income: The lender uses this to work out if you can afford to repay the loan, while taking your monthly outgoings into account.

  • Your credit history: If you meet the lenders loan eligibility criteria, your credit history will impact what rate you get.

  • Where your bank account is: Some lenders offer better rates if you have an existing account with them, such as a current account or savings account.

Some rates are only available if you borrow a set amount of money, within a set term.

For example, a lender may only offer you their best rate if you borrow between 7,500 and 14,999, over a term of 1 to 5 years.

Home improvement loans FAQs


Can I get a home improvement loan without owning a home?


Yes, you can apply for any of the loans in this comparison, whether you own a property of not.


Can I get a joint homeowner loan?


Yes, you can apply for an unsecured loan in joint names which could increase the amount you could borrow. However, you will both be credit checked.


How much can I borrow?


This depends on the lender, with some letting you borrow up to 25,000. Use this comparison to find a lender that can offer the amount you need.


What does APR stand for?


It stands for annual percentage rate, and is the interest rate you pay on the total amount you borrow.

About our loans comparison


Who do we include in this comparison?


We include every unsecured loan you can get in the UK and peer to peer loans from our panel. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.