New Boiler Loans UK (2026)
Boiler broken down? Compare reviewed lenders for fast boiler finance — same-day options available when you cannot wait.
A boiler breakdown in winter is a genuine emergency — no heating, no hot water, and a repair or replacement bill that can run from £500 for a simple repair to £2,500 or more for a new boiler fitted. When your boiler goes, you need money fast and you need a clear plan.
Boiler finance is simply a personal loan used to pay for boiler repair or replacement. It is the same product as any other personal loan — the purpose does not change the terms. Lenders on our panel offer same-day payouts for amounts that cover most boiler work: Drafty (up to £3,000), Cashfloat (up to £1,500), and 118118 Money (up to £8,000) all cover typical boiler costs.
Before borrowing, check if you qualify for the Government's Boiler Upgrade Scheme or the ECO4 scheme, which provide grants towards energy-efficient boiler replacements. Your local council may also offer emergency heating grants. Some boiler installers offer payment plans — compare their terms with a personal loan to find the cheapest option overall. All lenders on our panel are FCA-regulated.
Who qualifies?
What helps your application
- ✓UK resident aged 18+
- ✓Regular income
- ✓Active UK bank account
- ✓Quote from a Gas Safe registered engineer
Bad credit accepted
- ✓Emergency boiler repairs cannot wait for perfect credit
- ✓Several lenders accept poor credit
- ✓Affordability is the key factor
Income types accepted
- ✓Employment income
- ✓Self-employment
- ✓Pension income
- ✓Benefit income (some lenders)
Speed — when you have no heating
- ✓Lending Stream: 90-second payouts
- ✓Drafty: minutes
- ✓Cashfloat: same day
- ✓Get the money before the engineer arrives
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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.
[PAUL'S VERDICT — to be updated by Paul]
Key Insight
[KEY INSIGHT — to be updated by Paul]