This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.
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Home Improvement Loans
Make your home your happy place with a home improvement loan
Representative 6.6% APR
To apply online, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
What is a home improvement loan?
Want to revamp your nest? From odd jobs to grand designs, a home improvement loan could make it happen.
You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to your account.
You could get your money today
Just sign your loan documents before 5.45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info.) You must apply online and be unconditionally accepted.
It's quick and easy to apply
It takes minutes to apply online. In fact, you could be done in the time it takes to brew a cuppa. We also make it a breeze for you, as we fill out your info where we can.
Borrow up to £50,000 (fixed rate)
Your interest rate is fixed. So, you'll pay the same amount each month (you must pay the full amount, on time, or you may have fees on top). Your last payment may might be higher or lower.
Loan repayment terms
This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.
Home Improvement loan calculator
Representative Example
Borrowing
£7,500
Over
0 months
Monthly Repayment
£137.55
Total Repayment
£8,253.00
Representative
3.9
% APR
(Annual Percentage Rate)
Interest rate
3.9
% p.a
(Fixed)
The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
Get a free personalised quote
Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.
Take a break with a 3-month loan repayment holiday
- At the start of your application, we'll give you a quote. This might include the option to take a repayment holiday.
- You could then choose to delay your first payment by three months.
- You'll need to say if you want to take a repayment holiday before you start your loan.
If you take a loan repayment holiday, your loan will take longer to pay back. You'll also have to pay back more each month - so your loan will cost more. This is because we charge interest during your loan holiday.
