Whether it’s a lick of paint or new garden furniture, we offer Home Improvement Loans to suit your budget.
A Home Improvement Loan from us can be used for a range of purposes such as a new bathroom, putting down some decking, redecorating a room or a loft conversion. Our Home Improvement Loans start from £300, so you can start making those improvements, big or small. Our loans offer genuine flexibility, with repayments to suit you, weekly, 4 weekly or monthly, on a day that suits you. We’re making it more affordable than ever to get your project moving.
- Only pay interest on the reducing balance
- Quick decisions (normally in 3-4 days)
- Free Loan Protection Insurance (Terms & Conditions apply)
- Personalised application, every loan is considered on a case-by-case basis
Although we cannot help to dig the garden out or sketch out the plans for a new kitchen, we can look at lending you the money you need to start and finish your project.
Use the sliders to adjust how much you’d like to borrow and over how many months, to get an idea of the repayments and interest.
* Representative example.
Borrowing £00.00 over Months will cost £00.00/month. Total amount repayable is £00.00 which includes interest at 42.6% APR.
The figures given above are for illustrative purposes only and may not be the APR you receive. The actual interest rates and repayment amounts may vary subject to loan amount and status.
How do I apply for a Home Improvement Loan?
- Check you are eligible & are a member
You must live or work in North Essex, Norfolk, Suffolk or Cambridgeshire, and have joined our Credit Union. Click here to join today. Join Our Credit Union
We are unable to offer loans to anyone who is currently bankrupt, in a DRO, IVA or Debt Management Plan. We are also unable to lend if you have undressed CCJs or have defaulted on current credit within the last 12 months.
- Apply Online
Please click on the below link to complete a loan application.
Apply for a loan
Please ensure you complete the Income & Expenditure form, we need to ensure the repayments are affordable based on your current financial situation.
- Submit any additional information requested
Please look out for an email from the Loans Officer asking for additional information. We may need to clarify your income and expenditure via Consents.Online.
- Sign your digital Loan Agreement
We will email you a digital loan agreement. Please follow the steps on the email to submit your digital signature.
Remember to check the bank details on the agreement before signing!
- Money Received
If you are repaying by Standing Order, this needs to be set up. We will need to receive the first Standing Order before we will release your loan. The first Standing Order will credit your share account with us, where you can start saving as well as repaying your loan.
Our other loan products
Find the right loan for you
Are looking to reduce your carbon footprint with a renewable energy system, or improve your home’s energy consumption with LED lighting, insulation, or double/triple glazing? We offer an interest-free loan of up to £5,000 over 3 years to help spread the cost.
White Goods Loan
A small loan for White Goods. We work with you to set up repayments you can afford at a frequency that suits you.
Child Benefit Loan
If you have a few issues on your credit file, we may be able to lend to you repaid from your Child Benefit.