Home improvement loans from 8.1% APR
Ready to transform your home? Get competitive rates from 8.1% APR with our quick eligibility checker that won't affect your credit score. Most customers receive funds the same day.
Getting a quote won't impact your credit score
Competitive rates from 8.1%
Borrow £1,000 to £25,000
Most customers get their loan in less than an hour
Assumed borrowing of £7,500 over 36 months at 32.5% APR representative. Monthly cost of £312.15. Total amount repayable of £11,237.40. Interest rate of 27.0% p.a. (fixed) and total fees of £440.00. From 8.1% to 49.9% APR. £1,000-25,000 over 1-5 years available.
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Why choose Zable for your home improvement loan?
Competitive rates from 8.1% APR
We offer some of the most competitive home improvement loan rates in the market, with APRs starting from just 8.1% for qualified applicants. Our personalised approach means you get a rate based on your individual financial profile.
Lightning-fast funding
Most customers receive their home improvement funds in less than an hour after approval. Perfect for securing contractor deposits, purchasing materials, or starting your project when the timing is right.
Simple online process
Our streamlined application takes just minutes to complete. Get an instant decision online with no paperwork, no lengthy phone calls, and no waiting around for quotes from contractors.
How to get your home improvement loan in 3 easy steps
Quick eligibility check
See your personalised rate in minutes without affecting your credit score.
Choose your loan
Select a loan amount from £1,000 to £25,000 and repayment term from 1 to 5 years that fits your needs.
Receive your funds
When you’re finished with your application, money is then sent directly to your bank account, usually within the hour.
What is a home improvement loan?
A home improvement loan is a type of personal loan designed to help homeowners refurbish or renovate their property. It allows you to spread the cost of your project over a set period, with a clear view of how much you need to repay each month.
What are the different types of home improvement loans?
There are two main types of loans for home improvements: unsecured and secured.
Unsecured loan: This is the type of home improvement loan that we offer here at Zable. When approved for a loan, you receive a lump sum, and then pay this lump sum back in fixed monthly installments over a set period of time.
Secured loan: With secured home improvement loans, you offer up an asset (your home) as collateral. This basically means that if you fail to make the pre-agreed repayments, your property could be repossessed by the lender.
What can I use a home improvement loan for?
Major renovations
Fund kitchen renovations, bathroom makeovers, extensions, or whole-home refurbishments. With loans up to £25,000, you can tackle those big projects that can add real value to your property.
Essential home repairs
From new boilers and roofing repairs to rewiring and plumbing upgrades - cover those essential maintenance costs that can't wait.
Home improvements & upgrades
New flooring, windows, conservatories, landscaping, or smart home tech. Make your house the home you've always wanted.
Adding solar panels
Harness renewable energy with solar panel installations. Cut your electricity costs and boost your property's appeal with clean, sustainable power generation.
Installing a heat pump
Upgrade to efficient heating with air source or ground source heat pumps. Reduce your energy bills while increasing your home's value and environmental credentials.
What can’t I use my home improvement loan for?
A personal loan for home improvement can be great for making your current house better, but it's important to remember it's not a mortgage. This means you shouldn’t use the money for things like:
Buying a new home outright, whether that's here in the UK or overseas.
Putting down a deposit to get a new mortgage.
Purchasing a stake from a joint owner of a property.
Gifting a deposit to a friend or family member to help them buy a property.
As with most personal loans, you should also never use the money for high-risk activities like gambling or ‘speculative’ investments (think stocks and crypto) or to cover expenses for a new business, all of which would be covered in your official loan agreement.
What to consider before taking out a home improvement loan
Planning a renovation? Here are some helpful tips to bear in mind:
Weigh up time vs money - A loan can help you to get started on your renovations more quickly, but as you’ll pay interest, the overall cost is higher than if you wait and save up.
Consider how much you need to borrow - Once you’re ready to take out a loan, remember that the more you borrow, the more interest you’ll pay. That said, with home renovations, you can expect the unexpected, so it can be a good idea to add 15-20% to your budget for any issues that arise during work.
Think about the loan repayment period - If you borrow for a shorter period of time, you’re likely to pay less in interest overall. However, your monthly repayments would be higher. You can use our personal loan calculator to get an initial idea.The bottom line is you should always feel happy that you can comfortably afford your monthly repayments.
Get multiple quotes - You don’t need quotes in order to take out your loan with Zable, but when the time is right, it’s a good idea to compare at least 3 contractors for major work to ensure you’re receiving a fair price.
Consider timing - Some contractors offer better rates during quieter periods.
Check credentials - Ensure contractors are properly insured and have good references.
Prioritise projects - Focus on improvements that add the most value or solve urgent problems first.
“A home improvement loan has the potential to add value to your property, but it’s not a guarantee. Always budget for the cost of the loan and the renovation without relying on a future sale price to cover the difference. Fund the improvements that can enhance your life, not just your equity.”
Chris Meurice - 8 years with Zable
How can I apply for a personal loan for home improvement with Zable?
Applying for a personal loan with us couldn't be simpler with our app. Follow the steps below to apply for a loan in minutes:
Let us know how much you would like to borrow and for how long
Add your personal information such as your income, address and employment details
Get your personalised loan offer
FAQs about home improvement loans
Still got questions? Let's see if we can help.