Home Improvement Loan | Short Term Loans | ESLCU
Home Improvement Loan

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 £500, so you can start making those improvements whether they are 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

Affordable Repayments

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.

Not Available Online

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Beatae dolore rerum magni ullam atque nisi possimus consequuntur quas, labore cum? Dignissimos provident ex similique dolor. Veniam doloribus dolorum atque a?

03336 000690

Representative
Monthly Repayment £00.00 *
Total Repayment £00.00 *
* 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?

  1. Check you are eligible & are a member

    You must live or work in 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.

  2. 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.

  3. 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.

  4. 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!

  5. 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

Child Benefit Loan
Child Benefit Loan

If you have a few issues on your credit file, we may be able to lend £500 repaid from your Child Benefit.

Top-Up Loan
Top-Up Loan

Do you have an existing loan with us? If you need more credit before your existing loan is paid off, you could get your Top-Up loan the same working day your application is approved

Holiday Loan
Holiday Loan

Do you want to book a break for Summer? We can help spread the repayments, to make that well-deserved break affordable.

Follow us!

Follow us on Facebook, Twitter and Instagram to stay up to date with the latest from us!

Members of ABCUL

Members of ABCUL

Your money is protected up to £85,000

Your money is protected up to £85,000

Authorised and Regulated by the Prudential Regulation Authority

Authorised and Regulated by the Prudential Regulation Authority

Members of ABCUL

Your money is protected up to £85,000

Authorised and Regulated by the Prudential Regulation Authority