Home improvement loans

UK Credit offers Homeowner Guarantor Loans as a way of funding home improvements and repairs. Our Guarantor loans are unsecured meaning neither the Borrower nor their Guarantor’s homes are at risk if they come into financial difficulties.

Whether you have recently moved in or are looking to revamp your existing space, we appreciate that your lifestyle and trends change, and the home needs to evolve with those. Perhaps you are looking to modernise your kitchen and make it the focal point of the house, install a new bathroom suite to relax in, or grow with your family and add an extension or conservatory. So, whatever your needs– a UK Credit Home Improvement Guarantor loan could be the answer.

Home improvements and repairs can be costly. In these instances, a loan might be necessary to fund the work and spread the cost. UK Credit offers guarantor loans between £3,000 to £15,000 to Borrowers with a homeowner as their Guarantor. The monthly repayments can be spread over 3 to 5 years with rates ranging between 24.9% and 39.9% APR depending on the amount borrowed. What’s more, our rates are fixed meaning the repayments won’t change for the length of the loan.

We’re a trusted and responsible lender and, unlike some other lenders, our decision to lend is based on more than just a credit score. The most important factor for us is that the loan repayments are affordable to the Borrower and their Guarantor individually, on top of their other financial commitments.

If you are thinking about taking a home improvement loan, you can view our loan calculator by clicking the ‘Apply Here’ button on this page. This will display the monthly repayments and total amount payable for different loan amounts over different loan terms so you can find the right loan for your needs.