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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 2021 Platinum Trusted Service

Home improvement is either a pleasurable hobby or an urgent requirement! Whether you are improving your property or taking care of an unexpected problem, it isn’t free and can put you in a tricky spot financially. We’re here to support you if your home improvement budget has left you scratching your head.

Maybe you need to convert the spare room into a nursery or perhaps extend your sitting room or refit your central heating. Whatever it is you need to do to make your home a better place to live, Everyday Loans can help you with a loan to improve your home.

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%
Start Your Application

Home improvement loans can add value to your property and taking out an unsecured personal loan can be a good way to fund this. It’s an investment into the future value of your home and can potentially pay for itself in part or in full as the worth of the building grows.

There’s another possibility where home improvement is concerned: something broke! Houses are filled with devices like boilers that will need replacing as time passes. This can be an expensive surprise for you as a home-owner and it’s a common story to be left in a tight spot financially as a result of something breaking or failing.

There are millions of home-owners across Britain who have tallied up what they need and come up a little bit short. Everyday Loans is committed to making your requirements and dreams a reality with a direct loan that suits you.

We also know that not everyone’s credit history is perfect. Mistakes happen, and many responsible adults are turned down by other lenders because of a history they are working to build back up. We are more flexible than other providers and it is our goal to make home improvement loans available to those with bad credit when they need it most.

With your direct loan from us, you can take care of your home improvement needs in full and repay your loan on a schedule that spreads the costs evenly. Before you know it, your DIY project or replacement will be completed, and your house value may positively be affected.

Everyday Loans offers loans for home improvement for people with bad credit, so why not apply now and see if we can help you create your perfect home. It’s what we are here to do – help you.

What you need to know about home improvement loans

Houses are fantastic investments, but they sometimes need a little work to say the least! Home improvements can add value to your property, helping to pay for the work, but the capital required can still be prohibitive for many owners. Taking out a loan for home improvement can be a sensible choice, as your property will increase in value after works are done – and you get to enjoy the fruits of all that hard work after it’s completed!

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! We all need financial assistance now and then, and major life expenses like redecorating a house or extending it can be out of the realm of possibility without help.

The great news is that we are here to help should you find yourself in this situation. If you’ve been refused elsewhere in the past, chances are good that we’ll be able to support your goals and dreams with the credit you need.

  • Q1: What does APR mean?

    Annual percentage rate. APR means the amount that you’ll be paying back throughout your loan. APR isn’t quite 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 lower credit?

    Compared to the big institutions we all know of such as a Barclaycard or HSBC, our home improvement loans are more lenient. A bank is strict with its lending decisions and a poor credit rating is a serious downside if you apply for a loan with them. Everyday Loans is a little different because we cater to people who still have a legitimate need for a loan but haven’t been successful before.

  • 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 instead lies in the repayments. Credit scores are all about being indicators of your past, present and future spending habits and trends. Let’s say you completed all your repayments on time for your home improvement loan; this indicates that you have improved your reliability and responsibility where money is concerned and that translates to an improvement in your credit score.

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

    For some ‘standard’ loans, you will get a mark place 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

Here we’ll go into a bit more detail on how an Everyday Loans loan works, and how the process can be easily completed so you can get started on your DIY or paid projects! While we’re more lenient with our process, there are a few hard requirements that you must meet for us to consider your loan further.

  • Q1: Does an Everyday Loans application take lots of time?

    Certainly not. We know you need finances fast in some situations, and building projects are no exception! In almost all cases we process your application and send you your money very quickly. The way it works is simple: You make your application online, and if successful receive a ‘conditional approval’. This is followed by you making an appointment to visit the Everyday Loans branch office that is nearest, where you’ll have a friendly and fast meeting with one of our team members who will lay out the fine print and formalise the loan. After that, the funds are with you in record time.

  • Q2: Are you a direct lender?

    Yes. Our head office is in Bourne End, Buckinghamshire, and we are a direct lender.

  • Q3: Can I top up my loan?

    We do offer this, as long as we can see you’ve been on time with your repayments so far. Top ups are negotiated with your local branch on a case by case basis.

  • Q4: What are the requirements for a loan with you?

    The good news is they aren’t hard to meet; you simply need to be a UK resident and have employment and also have an account with any UK bank. If you tick all these boxes, we’ll be happy to consider your loan (with no mark on your score when you apply).

We do not charge any fees.

Everyday Loans is a trading style of Everyday Lending Limited (Company registration no. 5850869, England & Wales).

Registered Office and Trading Address: 1st Floor North, 2 Dukes Meadow, Bourne End, Buckinghamshire, SL8 5XF.

Everyday Lending Limited (Firm Reference No. 724445) is authorised and regulated by the Financial Conduct Authority.

Everyday Lending Limited is a member of the Finance and Leasing Association and as a member, we follow its Lending Code.