Home Improvement Loans UK (2026)
Planning a renovation? Compare home improvement loans from reviewed UK lenders and find the right rate for your project.
A home improvement loan is a personal loan used to fund renovations, repairs, or extensions. Whether you are fitting a new kitchen, replacing windows, converting a loft, or simply redecorating, the costs add up quickly and paying from savings is not always realistic.
For larger projects (£1,000–£8,000), 118118 Money at 49.9% APR offers the most cost-effective option on our panel with terms up to 5 years. For smaller, urgent repairs — a leaking roof, emergency plumbing, a broken boiler — same-day lenders like Drafty, Cashfloat and Lending Stream can provide quick funding while you arrange longer-term finance.
Home improvements that add value to your property — new kitchens, bathrooms, extensions — can sometimes pay for themselves. But always compare the total repayable on any loan, not just the monthly payment. A £5,000 loan at 49.9% APR over 3 years costs approximately £7,900 total. Over 5 years, approximately £9,500. Choose the shortest term you can afford.
Who qualifies?
What helps your application
- ✓UK resident aged 18+
- ✓Regular income
- ✓Active UK bank account
- ✓Clear budget for the improvement project
Bad credit accepted
- ✓Several lenders accept bad credit
- ✓Smaller amounts are easier to access
- ✓Consider a secured loan for larger projects
Income types accepted
- ✓Employment income
- ✓Self-employment with SA302
- ✓Pension income
- ✓Benefit income (some lenders)
Speed
- ✓Same-day for emergency repairs
- ✓118118 Money: 2–24 hours for larger loans
- ✓Apply online — no branch visits
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Independent loan comparison. Rates shown are representative; your actual rate depends on circumstances.
Warning: Late repayment can cause you serious money problems. For help, go to MoneyHelper.org.uk. Nudge Finance is an independent loan comparison site. We are not a lender and do not provide financial advice.
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Key Insight
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