ePrivacy and GPDR Cookie Consent by Cookie Consent Home Improvement Loans - Provided By Everyday Loans

Home Improvement Loans

If you are looking to finance improvements to your home, we might be able to help. We are specialists in helping people with bad credit and use safe
credit searches that won’t impact your credit file

How much would you like to borrow?

Our quotes won't affect your credit score


Representative Example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

Feefo 2022 Platinum Trusted Service

If there is something in your home that needs fixing or you just want to make some home improvements, Everyday Loans may be able to help. Our unsecured loans could help you get access to the money you need, even if you currently have less than perfect credit.

When you apply with us, we use something called soft search technology which means filling out our online application will not negatively affect your credit like a hard credit search could. This means you can apply confidently with us without worrying that a decline might damage your credit score in the future.

Our loans allow you to borrow from £1,000 to £15,000 for 18 to 60 months. That means you can make home repairs, renovate or just update your house and spread the cost over the term of your loan. Simply fill out our online application form to see if you are eligible.

How it all works

If you are looking for a loan to add to or repair your home, we may be able to help. We specialise in helping people with less than perfect credit scores, so even if you’ve had credit issues in the past you can still be successful. Applying with us doesn’t affect your credit rating if you are unsuccessful. It takes just minutes to find out if you are approved for a loan with us, apply today to see what we can do for you.

All of our loans are subject to status and affordability.

  • Step 1

    Step 1

    Complete our short
    application form

  • Step 2

    Step 2

    Get an initial decision
    in minutes

  • Step 3

    Step 3

    Pop into your local branch
    to complete your loan

Why choose everyday loans?

  • Applying with us won't affect your credit score. We use Soft Searching Technology which means even if you're unsuccessful; it won't go against your credit file.
  • We offer loans to those with a less than perfect credit score. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender not a broker. We'll NEVER charge you a fee to consider your application.
  • We'll give you a conditional decision in just minutes.
  • You can borrow from £1,000 up to £15,000 over a minimum term of 18 months up to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes. Maximum APR 299.8%
Start Your Application

Home improvements are an investment. They can add value to your home or prevent damage. Unfortunately, some home improvements can be costly which can be a real problem if you need to make changes to your house. A loan from Everyday Loans might be able to help you cover some of the cost of your project.

Our loans take into account more than just your credit history so if you have faced some financial problems in the past, we may still be able to provide financing. When you apply for a loan, our lending experts will work with you and help answer any questions you may have.

To see if you qualify for a loan with us, fill out our online application. If you receive a conditional approval we will make an appointment with you at your nearest local branch.

Tailored Local Lending

We are particularly proud of our local experts because they allow us to provide the best possible support to all of our clients. During your face to face meeting with one of our staff, we can review your credit history but we will also look at a number of other factors. This includes your financial obligations, how you manage your money and any unique circumstances you may have. This allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

In the meeting, we will determine if we can provide you with a final loan offer. If so, our expert will explain the specifics of the loan and fill out the necessary paperwork.

Responsible Lending

Everyday loans is dedicated to providing responsible loans to all of our customers for purposes such as cars and weddings to home improvements. We work to be honest and fair with everyone as well as ensuring that all of our customers' data is safe and secure.

We meet with all of our customers to discuss their potential loans and explain the terms and conditions they will be agreeing to. This helps us achieve our goal as a responsible lender as well as giving us a chance to complete a full assessment of each person's financial situation. All of our customer data is stored securely and processed in line with UK GDPR and DPA regulations.

When customers attend their meeting, we ask that they provide the most accurate information about their finances possible. They may wish to review their documents before the meeting. We also advise people to do some research so they understand common terms and ideas used in lending, such as APR and credit score. If any of our customers are unclear about something involved with the loan, our lending experts will walk them through these topics during the loan meeting.

We always ask customers just to let us know if their situation changes. For example, if a customer loses their job and is struggling to make payments. In cases like this, we can work together to find alternative arrangements for paying a loan.

Home improvements can not always wait for your finances. So if you are looking for a way to fund your projects or home repairs, apply with us today to see if you are eligible.

What you need to know about home improvement loans

Our homes are our castles, but they sometimes need a little work to say the least! Home improvements can add value to your property, but the capital required can still be prohibitive for many owners. At Everyday Loans, we can offer loans for home improvements so that you can enjoy the fruits of your labour.

A poorer than average credit core can be troublesome when looking for a home improvement loan. Not great if you have an urgent need like an extra room in that house! The great news is that we are here to help - if you’ve been refused elsewhere in the past, Everyday Loans might be able to support you and your home improvement goals.

  • Q1: What does APR mean?

    Annual percentage rate. APR means the amount that you’ll be paying back throughout your loan. APR isn’t a straightforward calculation as your loan repayments involve compound interest, which can be explained in a little more detail here. While this might be a bit tricky to get your head around (you won’t be simply paying back £1,100 on a £1000 loan at 10% APR for instance), we’ve made it a priority for our financial advisors to clearly break down costs should you choose to apply for a loan with us. No hidden fees – guaranteed. Whatever your loan purpose, such as home improvement, APR refers to how much you pay back.

  • Q2:Can you tell me whether I can still get a home improvement loan with bad credit?

    We look at all of our customers on an individual level, and take you through our loan process on the basis that your circumstances are as unique as you are. We can’t promise you a loan without speaking to you first, but we can assure you that we will do our best to help you achieve your financial goals. Poor credit history will not stop you from getting a loan with us, as we take a holistic view of your application – contact us today to find out more about using personal loans for home improvement, and we’ll guide you through the process.

  • Q3: Will my credit score go up after a loan?

    If you mean by just taking out a loan, the answer is no. There is no bonus to being accepted; the potential benefit lies in the repayments. Credit scores are indicators of your past habits, trends and overall management of your finances. Maintaining the payment schedule on a loan for home improvement could indicate that you have improved your financial situation, and that can translate to an improvement in your credit score.

  • Q4: Am I going to see a change in my score when I apply?

    When borrowing from other lenders, you will sometimes get a mark placed on your record that shows you made an application. You can see a reduction in your credit score if you make a large number of these in a short space of time; this is because it can seem to indicate that you are finding it hard to be accepted for a loan and have been refused by other lenders. Everyday Loans is a little different thanks to the Soft Search technology that we use in our processing. This means that you don’t get a mark on your credit history if you apply for a loan to renovate your home with us.

Our Process FAQs

Looking to learn more about Everyday Loans and our loans process? Here’s more information on how you can apply for a loan with us. It’s always worth remembering that our process is designed to be simple and straightforward, with the support of a customer account manager who provides you with the information you need.

  • Q1: Can you tell me what’s required for a loan to be approved?

    You need to be a UK resident, over 18 and have a bank account within the UK. Beyond that, we require that you’re employed. You may choose to apply for a loan, particularly for purposes such as consolidating debt, home improvements and more. As a responsible lender, we carry out a creditworthiness assessment . This means that we try to understand your financial circumstance to ensure that you only borrow what you can repay. If you meet the requirements, you can make an application now without damaging your credit score thanks to our soft search technology – you won’t get a mark on your credit file.

  • Q2: Can you confirm if Everyday Loans is a direct lender?

    Absolutely – we are! Our physical headquarters are located in lovely Bourne End (in Buckinghamshire). We specialise in helping people with poor or bad credit.

  • Q3: Is it a long process to get a loan with you?

    Our process is simple, easy and efficient. If your application is initially successful, you’ll receive a conditional approval. After this, we send your details over to your local branch and arrange a time for a meeting with our friendly advisor who will complete the loan for you. It’s a simple process and the money can be with you shortly after your meeting is complete.

  • Q4: Are your loan quotes flexible ?

    Indeed, they are! Whilst your loan term and monthly payment is fixed once the loan is booked, the loan options we can provide span anything from 18 – 60 months, we can lend from £1,000 - £15,000 and everything in between. Apply today to review your options!