Upgrade, renovate or extend your home with a home improvement loan - Representative APR 13.9%

Borrow between £1,000 to £15,000
Terms from 1 to 5 years
Rates from 9.5% APR
You must not have an existing JN Bank UK loan

Representative Example:

Representative APR 13.9% | Loan amount £9,500 | Term 5 Years | Monthly repayments £214.23

Our representative APR of 13.9% is offered to 51% of our customers. You may receive a different interest rate based on your circumstances.

APPLY NOW

Can I apply for a JN Bank UK unsecured personal loan for home improvements?

To apply for a loan with JN Bank UK you must:

Be a homeowner with or without a mortgage
Not have an existing JN Bank UK loan
Be over the age of 21
Have been a UK resident for more than 3 years
Have no active or pending CCJs, bankruptcies or IVAs
Be employed, self-employed, or retired with a minimum monthly income of £1,000 after tax
Have a UK mobile phone number and a valid email address
Have a UK bank account with a direct debit facility

Apply for a JN Bank UK unsecured personal loan

APPLY NOW

Applying for and accepting an unsecured personal loan is a serious commitment and not one to be taken in a rush or without planning. You can be committed to paying a loan for up to 5 years with JN Bank UK, so doing your research and making the right decision is very important.

Why take out a loan for home improvements?

There are many benefits to putting money where it's needed back into your home. Homeowners spend so much time inside of them, and it's important to make it look nice. Doing this also improves your living conditions, and makes your home look inviting. If in the future you decide to sell your property, you've done all the hard work renovating your home already.

If moving home isn’t part of your plans yet, then your focus might be on adding some new additions. Like all big home projects, there are upfront costs for materials, tools, and anything else needed to complete your vision. A loan for home improvements can get you what you need right away, then you pay off the money you have borrowed over time.

What are some home improvement ideas I can use a loan for?

An unsecured personal loan for home improvements can be used in various ways. JN Bank UK customers typically use their home improvement loan for:

Style improvements - Give in to those interior design career dreams you've been having, and revamp your home with a new vision. Even your most up to date decor can start to look old after a few years. Adding some new vibrant colours and accents to your walls can make your home feel entirely new.

Kitchen upgrades - A high traffic area in almost every home is the kitchen, so it's important to make it look nice. Whether you have a closed off kitchen or it extends into a living space, it's important to make sure your kitchen is as inviting as every other room. if you're a homeowner that likes to entertain and invite guests over.

Bathroom renovations - The bathroom is an important room in your house as it's where you get ready for the day ahead. Upgrading your bathroom can do wonders for your entire home.

Garden transformations - The UK is never guaranteed good summer weather, but it can happen. When it does, everyone wishes they had a relaxing garden space to soak up the sun. Transforming your garden into a space that the neighbours are jealous of is surely the goal for every homeowner.

Exterior improvements - The outside of your home is just as important as the inside. Making home improvements to chipped bricks and paint can give your home the facelift it deserves.

Can I take out a home improvement loan for emergency repairs?

The key thing about home improvements is that you usually plan well in advance for these kinds of projects. But in life, there are things that will come up that you need to pay for that you haven't been able to save, budget, and plan for.

All homeowners will experience an unexpected home repair emergency at some point in their home ownership life. Your boiler could decide to breakdown one day, or your home has some unexpected damage due to severe weather conditions.

The costs for emergency repairs can be unexpected, and costly. If you do not have the savings to make the repairs, or if you haven’t accounted for them in your budget, you could begin to worry.

JN Bank UK has you covered with unsecured personal home improvement loans for homeowners. You can apply for a loan between £1,000 and £15,000 to get you the money you need for those emergency repair situations in your home.

Why choose JN Bank UK for your unsecured personal home improvement loan?

Get a quote without impacting your credit score

Get a quote, find out the actual rate you could be offered all without impacting your credit score!

Affordable rates

Affordable rates with no upfront fees to pay

Easy online application

Complete our simple 5-step process to find out if you'll be offered a loan

Money in your account within 5 working days

If approved, and you accept the loan, the money will be with you within 5 working days

Three steps to a JN Bank UK unsecured personal home improvement loan

GET A QUOTE
Get a quote that is specific to you, and find out if you will be accepted with no impact on your credit score

SUBMIT YOUR APPLICATION
Sometimes, we may need you to upload documents such as payslips and bank statements

SIGN YOUR AGREEMENT
If approved, digitally sign your agreement and receive your money within 5 working days

Customer reviews

Apply for a JN Bank UK home improvement loan today!

APPLY NOW

Home Improvement loan FAQs

Am I eligible to apply for an unsecured personal loan for home improvements at JN Bank UK?

To apply for a loan for home improvements with JN Bank UK you must:

Not have an existing JN Bank UK loan
Be a homeowner with or without a mortgage
Be over the age of 21
Have been a UK resident for more than 3 years
Have no active or pending CCJs, bankruptcies or IVAs
Be employed, self-employed, or retired with a minimum monthly income of £1,000 after tax
Have a UK mobile phone number and a valid email address
Have a UK bank account with a direct debit facility

You can't use your loan to:

Buy shares/stocks
Make a deposit for a house
Pay a tax bill
Gamble

I have submitted my loan application for home improvements, what happens next?

If your loan application for home improvements has been accepted, you will be asked to read and accept our terms and conditions, and other contractual documents before you accept the quote.

If your loan application for home improvements has been referred, we will let you know if we need to check anything else regarding your application. This may require documentation to be provided to help verify some of your details. These documents are known as JN Bank UK acceptable forms of identification and are used to confirm your identity, home address, income, or bank account. This protects you from criminals who might try to use your identity without you knowing.

If you are asked to provide this documentation, please make sure that:

The name and address detailed on your identification is the same as the name and address you provided us during your application
Your proof of address is dated within the last three months
Your proof of bank account shows name, sort code, and account number

Are your home improvement loans unsecured?

Yes, we offer unsecured personal loans for home improvement requirements. This means you are not required to secure an asset when you borrow money from us.