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Home improvements

Thinking of giving your home a fresh look? Our Personal Loan could help with anything from a new kitchen to a loft extension.

Features and benefits

  • You could receive a rate as low as 3.9% APR RepresentativeCloseAPRAPR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. We will tell you the APR for your loan or credit card before you sign an agreement. if you borrow £7,500 – £25,000 over one to five years
  • Wide range of borrowing options: choose to borrow from £1,000 – £50,000 over one to seven years
  • We offer an instant online decision on your loan application
  • Flexible repaymentCloseRepaymentWith a loan, we give you a sum of money up front and each month after that you pay back some of what you owe. That monthly sum is called your repayment. With our personal loans, your repayments are fixed. That means you’ll owe the same amount each month for the entire life of your loan. options, where you can make additional payments free of charge
  • Instant money in your account. Apply online to have funds immediately transferred to your bank account between 9am–8:30pm, or before 9am the following day
  • You have the option to apply for up to two repayment holidays of one month in a rolling 12 month period, subject to approval.

Keep in mind

  • Our loans are only available to Lloyds Bank current account holders who've had their account for at least one month
  • How much we lend and the rate available are subject to our assessment of your circumstances
  • Repayment holidays are available if you meet certain conditions. Interest will be charged if you take a repayment holiday, so you'll pay more interest overall and your original term will be extended
  • If you make an early settlementCloseEarly settlementYou can fully or partly repay your loan at any time during the repayment period. If you choose to settle your loan before it’s completed its full term some of our loans may charge an early settlement adjustment. If you’ve taken out a Flexible Loan you agree to repay the capital plus the interest as it accrues. If you pay off your loan in full before the end of the agreed term, we’ll calculate what you owe us at the time which will include capital plus interest accrued but no additional charge. If you’ve taken out any of our other loans including the Personal Loan, the amount you agree to repay include the interest that is charged to the end of the loan term. If you make an early settlement we’ll reduce the charge for credit you have agreed to pay us which means you don’t have to pay all the interest. This reduction may be adjusted by up to 58 days’ interest – this is the early settlement adjustment. on the Personal Loan, we will charge up to 58 days' interest.

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £225.04. Total amount repayable will be £10,801.92. Representative 3.9% APR, annual interest rate (fixed) 3.83%.

This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. If you qualify for a loan we'll tell you the rate that applies when you get your personalised quote. The maximum APR you could be offered is 29.9% APR

You can also find out about our range of other borrowing options.

Loan calculator

Use our handy loan calculator to work out how much your loan repayments could be.

A Loan from Lloyds Bank could help to pay for part, or even all of your home improvements.

Alongside giving your house a fresher look, many types of home improvements can often add value to your home. These commonly include:

  • improving your kitchen or bathroom
  • extending or adding new rooms to your property
  • creating off-street parking such as a garage
  • heating and insulation (such as double glazing and central heating)
  • landscaping your garden.

If you’re thinking about making improvements to add value to your home, it might be worth a chat with a local estate agent to find out what people house-hunting in your area are looking for.

Make sure you research all the options available to you – there are a number of websites which can help you decide, such as Which?, who can provide independent guidance and product reviews. There are also many websites available to help you find reliable tradespeople who've been reviewed by other customers.

Find out more information on government guidelines around planning permission.

If you’ve done your research and have decided a loan is the best option for you, a Loan from Lloyds Bank might be able to help you finance your home improvements and other large purchases you might make.

Our responsibility to you

We’ll never encourage you to borrow more than you can afford. To help you get it right, we have lots of help and guidance.

Apply for a loan

To apply for a Lloyds Bank loan, you must be over 18 years old and a UK resident. How much we lend and the rate available is subject to our assessment of your circumstances.

Apply online

With our Personal Loan you can get a personalised quote and decision in minutes with no credit footprint.

Log on for a quote

Apply over the phone

If you hold a Lloyds Bank Current Account, call us on 0330 123 3890.

If you have a credit card, mortgage or existing loan with us, call us on 0330 123 4715.

Lines are open 8am–10pm seven days a week.

Apply in branch

Your local branch will be happy to help you apply for a Loan. We'll usually be able to give you an answer and transfer the money into your account the same day.

Find your nearest branch