Illustration showing characters celebrating their loan quote for home improvement

Home improvement loans from 8.1% APR

Ready to transform your home? Get competitive rates from 8.1% APR with our quick eligibility checker that won't affect your credit score. Most customers receive funds the same day.

  1. Getting a quote won't impact your credit score

  2. Competitive rates from 8.1%

  3. Borrow £1,000 to £25,000

  4. Most customers get their loan in less than an hour

Assumed borrowing of £7,500 over 36 months at 32.5% APR representative. Monthly cost of £312.15. Total amount repayable of £11,237.40. Interest rate of 27.0% p.a. (fixed) and total fees of £440.00. From 8.1% to 49.9% APR. £1,000-25,000 over 1-5 years available.

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Illustration showing characters celebrating their loan quote for home improvement

Why choose Zable for your home improvement loan?

Competitive rates from 8.1% APR

We offer some of the most competitive home improvement loan rates in the market, with APRs starting from just 8.1% for qualified applicants. Our personalised approach means you get a rate based on your individual financial profile.

Lightning-fast funding

Most customers receive their home improvement funds in less than an hour after approval. Perfect for securing contractor deposits, purchasing materials, or starting your project when the timing is right.

Simple online process

Our streamlined application takes just minutes to complete. Get an instant decision online with no paperwork, no lengthy phone calls, and no waiting around for quotes from contractors.

Illustration showing the three easy steps to a loan

How to get your home improvement loan in 3 easy steps

  1. Quick eligibility check

    See your personalised rate in minutes without affecting your credit score.

  2. Choose your loan

    Select a loan amount from £1,000 to £25,000 and repayment term from 1 to 5 years that fits your needs.

  3. Receive your funds

    When you’re finished with your application, money is then sent directly to your bank account, usually within the hour.

Illustration showing the three easy steps to a loan

Perfect for all your home projects

Major Renovations

Fund kitchen renovations, bathroom makeovers, extensions, or whole-home refurbishments. With loans up to £25,000, you can tackle those big projects that add real value to your property.

Essential Home Repairs

From new boilers and roofing repairs to rewiring and plumbing upgrades - cover those essential maintenance costs that can't wait.

Home Improvements & Upgrades

New flooring, windows, conservatories, landscaping, or smart home tech. Make your house the home you've always wanted.

Adding Solar Panels

Harness renewable energy with solar panel installations. Cut your electricity costs and boost your property's appeal with clean, sustainable power generation.

Installing a Heat Pump

Upgrade to efficient heating with air source or ground source heat pumps. Reduce your energy bills while increasing your home's value and environmental credentials.

How can I apply for a personal loan with Zable?

Applying for a personal loan with us couldn't be simpler with our app. Follow the steps below to apply for a loan in minutes:

  1. Check your eligibility in the Zable app or online

  2. Let us know how much you would like to borrow and for how long

  3. Add your personal information such as your income, address and employment details

  4. Get your personalised loan offer

Illustration showing a home being improved with a loan

Smart home improvement planning

Planning a home renovation? Here are some helpful tips:

Get multiple quotes - Compare at least 3 contractors for major work to ensure fair pricing 

Expect the unexpected - Add 15-20% to your budget for issues that arise during work 

Check credentials - Ensure contractors are properly insured and have good references 

Consider timing - Some contractors offer better rates during quieter periods 

Prioritise projects - Focus on improvements that add the most value or solve urgent problems first

Illustration showing a home being improved with a loan

Still got questions? Let's see if we can help

APRs start from 8.1% for qualified applicants, with rates up to 49.9% depending on your individual circumstances. Complete our quick eligibility check to see your personalised rate.

Most customers receive their funds within an hour of approval. Our streamlined process means you can apply, get approved, and receive funding all on the same day.

You could borrow between £1,000 and £25,000, with repayment terms from 1 to 5 years, if eligible. Use our loan calculator to find the right amount for your project budget.

No, our initial eligibility check uses a soft search that won't impact your credit score. Only if you proceed with the full application will we perform a hard credit check.

No, we don't require contractor quotes or detailed project plans. Simply tell us how much you need and we'll assess your application based on your financial circumstances.

Ready to apply?

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