Home improvement loans

Home improvement loans are a way to fund costly renovations or repairs to your property and spread the repayments over 3-10 years. Our loans are unsecured, meaning there is no risk to your home if you 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 Loan could be the answer.

UK Credit offers unsecured loans between £3,000 to £20,000 to Borrowers who own their home. The monthly repayments can be spread over 3 to 10 years with rates ranging between 19.9% and 29.9% 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.

Unlike some other lenders, our assessment process 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, 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.