Fix or Upgrade Your Home? Explore Home Improvement Loans

Repairs and upgrades rarely arrive at a convenient time. CashFacts is a UK direct lender offering £500 to £5,000, repaid in fixed monthly instalments.

  • Covers repairs and upgrades: Urgent fixes, redecorating, appliances and energy-saving work
  • Soft search first: Check your eligibility without affecting your credit score
  • Direct lender: No broker involved, so no broker fees
CHECK MY ELIGIBILITY (SOFT SEARCH)

Approval isn't guaranteed. All applications are subject to affordability and identity checks.

Finance essential home repairs and upgrades without delay

Maintaining a property comes with ongoing costs. Dealing with a leaking roof, replacing a broken boiler, modernising tired kitchen appliances, or redecorating a bedroom. property maintenance rarely waits until it is convenient for your bank account.

At CashFacts, we offer straightforward home improvement loans in the UK. These are designed to help homeowners and tenants spread property repair costs over manageable monthly instalments.

What home projects could a home improvement loan help with?

You choose how to use the money. Typical examples include:

  • Urgent repairs: Plumbing leaks, electrical faults, heating problems or roof damage
  • Modernising: Bathroom fixtures, new flooring or kitchen surfaces
  • Energy efficiency: Insulation, window repairs or boiler controls
  • Furnishing and decorating: Furniture, white goods such as a fridge or washing machine, or redecorating
What home projects could a home improvement loan help with??

Which Home Costs Can't Wait, and Which Can?

The answer affects whether borrowing makes sense.

Type of cost Examples Worth thinking about
Urgent Leaks, broken boiler, electrical faults A short-term loan may bridge the gap, but compare cheaper options first
Planned Kitchen, bathroom, redecorating Saving up or a cheaper form of credit may cost far less

Our loans are small, short-term and high-cost. They suit urgent needs better than planned projects.

Are there cheaper ways to pay for home improvements?

Check these before you borrow:

  • Government or energy supplier schemes: Help may be available for insulation and heating upgrades.
  • A credit union loan:Often lower cost, though membership rules apply
  • Your landlord:If you rent, major repairs are often the landlord's responsibility

How do you apply for a home improvement loan?

  • Decide your budget.Choose an amount from £500 to £5,000 and a repayment term that suits you.
  • Complete the short form.Enter your income, regular household costs and bank details.
  • Review your agreement.If you're approved and verified, you'll see exactly what you'll repay before accepting. Once you accept, funds go to your UK bank account.

Are you eligible for a home improvement loan?

You can apply if you:

  • Are 18 or over and live in the UK
  • Have a UK bank account with a debit card
  • Receive regular income from work, self-employment or benefits
  • Can pass our affordability and identity checks

Past defaults or CCJs? See our bad credit loans UK page. Mainly on benefits? Read our guide to loans for unemployed on benefits.

Why choose CashFacts for home improvement loans?

CashFacts- FAQs

FAQs

Do I need to own my home to apply?

No. Tenants can apply too. If you rent, check your tenancy first, because the landlord is often responsible for major repairs such as heating and plumbing.

Should I get quotes before borrowing?

Yes. Get written quotes so you borrow the right amount. For gas work, use a Gas Safe registered engineer. The government-endorsed TrustMark scheme can also help you find vetted tradespeople.

Will £500 to £5,000 cover my project?

It suits smaller jobs and repairs. Larger projects such as a full kitchen may need other finance.

What if the work costs more than expected?

Build in a buffer, but don't borrow more than you can comfortably repay. If costs overrun, speak to your tradesperson before taking on more credit.

Can I repay early?

You may be able to. Check your agreement to see how early repayment affects what you owe.

Representative Example

  • You borrow£800
  • Loan term6 months
  • 6 monthly instalments of£217.60
  • Interest charged£505.60
  • Total amount repayable£1,305.60
  • Representative APR (fixed)498.8%

Borrow £800 over 6 months. Repay in 6 monthly instalments of £217.60. Total amount repayable: £1,305.60. Total interest charged: £505.60. Representative 498.8% APR (fixed). (fixed).

Warning

Late repayment can cause you serious money problems.

For help, go to moneyhelper.org.uk.

I want home improvement loans for bad credit near me. Does CashFacts Offer?

Yes, we do.

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