Looking to transform your home? We can help with that
Borrow from £1,000 to £25,000
Choice of loan terms available between 1 and 5 years
Apply online to get a quick decision
It’s fast and won’t affect your credit score
Representative 13.2% APR
A home improvement loan gives you cash to carry out urgent house repairs, refurbishments or an exciting renovation to boost the value of your property. It can even help with home repairs that home insurance might not cover.
Home improvement loans are a type of personal loan. They let you borrow money over a number of years, depending on how much you need to borrow.
If you’re struggling to save money for a dream kitchen, loft conversion or much-needed home modifications, this type of loan could help.
Home improvement loans are for anyone who wants to carry out home refurbishments or renovations.
You might be a new or current homeowner who needs cash to action a house project.
If you’re finding it hard to fund an urgent repair or transformation project, a loan could be a good option.
You might need to carry out unexpected home repairs or start a home transformation project
Pay for repairs that home insurance won’t cover
Access cash quickly to start your home project sooner
Pay for a dream kitchen or bathroom over a fixed period of time
Add a new room with an extension or loft conversion to add value to your property
We’re a trusted UK brand, working with Lendable to offer fair, transparent loans
Flexible amounts and terms: Borrow £1,000–£25,000 over 1–5 years
Easy to apply: Our application process is simple and quick
Get the money fast: If approved, you should get the funds the same day
Fixed rate for the full term: Know exactly what you’ll pay each month
Repay loan earlier: Option to pay off loan in full sooner. This could save you money on interest compared with paying it off over the full term
Applying for a Post Office home improvement loan and putting it to work is easy
Fill out a simple application, choose your loan amount and receive a quick decision
If approved, we’ll send the funds to your account the same day
Enjoy the ease of a single monthly payment to us instead
Before taking out a loan, it’s important to check if it’s suitable for you. Here are a few key things to consider before you apply
Work out a clear budget: Work out exactly how much you need so you don’t end up overborrowing
Compare your borrowing options: Look at the full cost of a loan versus remortgaging or using credit cards
Make sure you can afford the loan: Only borrow what you know you can repay. Missing payments can affect your credit score
Check the total cost: Longer terms may mean paying more overall, even if monthly payments seem low
Only you can decide the right way to fund home improvement works. But one option is to use our home improvement loans to get the money you need, whether it’s a loft conversion, extension, new kitchen or dream bathroom. This means you can get started on the work sooner rather than waiting to save money for the cost of it.
No, all our personal or home improvement loans are offered unsecured. We won’t secure it against your home.
Read our guide to the difference between secured and unsecured loans.
Checking your eligibility for one of our loans involves a soft check that doesn’t affect your credit score
If you go on to complete the full application and accept the loan agreement, we’ll perform a hard credit search. This hard credit search may impact your credit score and your ability to obtain credit in the future. Paying off existing debts may improve your score over time. But it’s important to note missing payments can have a negative impact on it.
Yes. You have 14 days from the day you receive your acceptance letter to withdraw from your Agreement. If you decide you no longer want a loan from us, call Lendable on 0808 531 0454 within this 14-day period. Please be aware that in the interest of quality and training, calls are recorded.
Alternative options include using a 0% purchase credit card for smaller projects. Another is remortgaging if you have enough equity in your home, though this may mean higher monthly payments and fees. A second mortgage is another option but expect extra costs. Or you could save the money and spread the work over time to keep it affordable.
Kitchen costs vary a lot. Size, units, worktops, flooring, tiling, appliances, materials and labour all make a difference.
As a guide for 2025:
You don’t always need everything new. Could you keep your oven or fridge? Or refresh units with paint, new handles and a worktop? Upcycling can cut costs.
DIY can save money too but be ready for surprises like pipework or electrics. Always add a contingency to your budget.
Bathroom costs depend on size, fixtures, flooring, tiling, lighting, plumbing, electrics and labour. Material quality and whether you DIY or hire help also matter.
Guide prices for 2025:
Just updating fixtures?
Always allow extra for unexpected costs. A personal loan can help spread payments.
In 2025, a loft conversion typically costs £45,000–£120,000 and can add 20–25% to your home’s value.
Prices depend on the type:
Other factors include roof structure, design complexity, stairs, insulation, glazing and build time. You’ll also need furniture, décor and possibly planning permission.
If you miss a payment or are struggling with repayments as a whole, contact us as soon as possible. We’ll work with you to find a solution.
Read more about what to do if you’re finding it hard to repay debts.