Home Improvement Loans

£50 £2,000
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due Tuesday 25th Jun
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The cost of borrowing £300 over 6 months:

Fast Loan UK £507.48
Mr Lender £544.00
Cashasap £556.23
Lending Stream £579.00
Money Platform £586.26
Savvy £595.00
QuidMarket £596.46
Cash4unow £599.82
Fernovo £595.92
Ticket Loan £595.92
Loan Pig £595.92
Moneybag £600.00

Proud to offer the cheapest instant short term loans in the UK

Compare our loans to other lenders here

Warning: Late repayment can cause serious money problems. For help, go to moneyhelper.org.uk

Representative example:

Borrow: £300 over 8 months. 8 repayments of £70.31. Total amount payable £562.44. Interest rate: 130.21% pa (fixed). Representative APR: 840.75%

If you’ve found yourself short on cash when the unexpected happens, our loans can be the perfect solution to help. Although we do not offer home improvement loans as such, we do offer a quick application process, so you can get cash on the very same day to help resolve any financial emergency you may be facing promptly. As we are a trusted source of short term loans, at Fast Loan you can choose a loan all the way up to £2,000 with flexible repayment terms available that are based on what you can afford to pay.

All you have to do is choose the amount and repayment terms you want using the sliders above and click apply now to start your application today. We’ll work quickly to assess your loan application and help you get back on track in no time.

What Are Home Improvement Loans?

Although we do not offer home improvement loans in the UK, we believe it is important for our customers to remained informed about every form of loan available to them. Home loans in the UK allow you to borrow a set amount of money in order to fund home renovations on your property. Often, these are unsecured personal loans, but it is also possible to get these as a secured loan from some lenders. In this case, you would use your home as an asset, which would usually allow you to borrow a larger amount of money. At Fast Loan, as we only offer shorter term loans such as a payday loan that can allow you to access quick cash before your next payday.

What Are Home Improvement Loans in the UK Used For?

This form of long term loan is often used for things such as renovating your house. This could be a new kitchen, bathroom or adding an extension. Reasons for getting home loans in the UK span from adding additional space for a growing family or to add a significant amount of value to your house. Home improvement loans in the UK are often used so if you sell your property in the future, your refurbished home with added conversions can add up to 20% of the original value to your home.

Home Improvement Loans: Why Choose Fast Loan?

At Fast Loan, we do not offer home improvement loans as our loans are classed as high-cost short term loans. When you apply for another type of loan with us, the application process is short, and easy to complete, saving you time in your time of crisis. By telling us how much and how long you want to borrow, we can then work quickly to provide an agreement in principle, so you won’t be left waiting to find out. As many online direct lenders will use automated lending approval systems, often those with poor credit can be declined straightaway without any consideration in regard to their current affordability. Fast Loan is different in this respect, as we take a human approach to the approval process. Credit checks are necessary due to UK law, but whether you have a low credit score or not, we will still take the time to assess your finances further. We assign every applicant a Customer Care Manager who will personally oversee your application. This way we can manually check your details received from credit reference agencies and call you if we have any queries. If we need to call you, this will usually take no longer than 5 minutes to complete, although this is not always the case. If your credit report reveals all the information we require, we will not have to do so.

If approved and your signed digital credit agreement has been signed, you could receive the funds into your bank to use within 15 minutes.

Eligibility for a Home Loan

If you wish to apply for a home improvement loans in the UK, this is something we cannot provide. However, for all other types of loan, we keep the application process simple for our customers which also means our criteria to apply is also straightforward. To be eligible to apply today for a loan with us, you will need to meet the following:


  • Aged 18 years or over
  • Current UK Resident
  • Be in Full-time, Part-time or Self-Employment
  • Receive a Regular Income
  • Have a valid Bank Account and Debit Card

By meeting the above criteria, you will be able to choose the amount and repayment terms you desire and begin your application. If we cannot determine you can afford the loan terms you are looking for with, we will have to decline your application. As part of the approval process, you will also be required to provide proof of ID, proof of address and your last 3 months bank statements.

Apply Now & Get an Instant Decision

If you’re looking for instant cash today, and you have proven your affordability, our loans are not long term personal loans, but they can help you in a difficult situation. As Financial Conduct Authority (FCA) approved lenders, we work to responsible lending guidelines to ensure your application is treated fairly and to determine you can afford the loan you apply for. If you have any questions about home loans in the UK, please get in touch. To start your application for any of our other loans, click apply now.

Home Loans FAQs

Can I Apply for Home Loans with Bad Credit?

Even if you are an individual with a bad credit score, we may still be able to help. We do not offer home loans, but we can help customers from all different walks of life. Bad credit doesn’t determine your eligibility. We will assess the finances of every applicant and if we can determine you can afford the loan amount, along with the specified repayments, we can still help you out, even with a poor credit rating.