Home improvement loans

Make your dream space a reality

Home Improvement Loans

We provide one personal loan which may be used for multiple purposes.

You’re eligible if you’re 21 or over and live in the UK permanently, you have a regular yearly income of £7,500+, you can make your repayments by Direct Debit, and you haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks. You must have a regular yearly income of £20,000+ to apply for loans of £20,000 and above.


  • Representative 3.1% APR
  • Loan amount £10,000
  • Interest rate 3.1% (fixed) p.a.
  • Term 60 months
  • Monthly repayment £179.94
  • Total amount repayable £10,796.40
I am a 1|2|3 World or Santander Select customer
Please note, you must be an existing Santander customer to apply for loans above £20,000.

The calculator is for illustrative purposes only. Your personal circumstances and the loan amount may affect the rate we offer. The maximum APR we could offer is 24.9%. We reserve the right to refuse any application. Information and rates correct as at 04.07.2022.

What you can get

  • Rates from 3.1% APR representative on loans from £7,500 to £15,000
  • Range of personal loans from £1,000 to £25,000
  • Preferential rates for 1|2|3 World and Santander Select customers on selected loans
  • Overpay at no extra cost
  • Repay over 1 – 5 years


A home improvement loan could bring your home improvement plans to life. From an extra bathroom, to a new kitchen, to a loft conversion, you could borrow the money you need to make the change you want.

Unacceptable loan purposes
We are unable to lend for certain purposes. Take a look at our Key Facts Document (1.80 MB)  for more information.

Range of loan rates

This table shows the rates that you may get if you apply for certain loan amounts. The rate we offer you depends on your personal circumstances. The maximum APR we could offer you on any loan amount is 24.9%.

 New and existing Santander customers1|2|3 World and  Santander Select customers

Apply online between 6.30am - 11.30pm

You'll usually receive an accept, decline or refer decision by email within 5 minutes.

Apply online between 11.30pm - 6.30am

You'll receive an email with a decision by 7.30am.

Receiving a 'refer' decision

This means that we need our underwriting team to look at your application and we may need more information from you. You'll receive an accept or decline email within 2 working days of the additional information being provided.

If your application is accepted

You'll receive a further email with details of how to sign your loan agreement online.

Your loan code

Once your application is accepted we'll send you a code by first class post. You'll need to enter it online to release your loan funds

Receiving your loan

Once released, your loan funds will be in your chosen bank account within 2 working days.



Your loan repayment will be taken by Direct Debit each month. Your first repayment will be taken on the 1st of the month following your loan being opened. If this date falls within 30 days of your loan being opened, your first repayment will be taken on the 1st of the following month. Once your loan is opened, you can change your repayment date to suit you, any day between the 1st and 28th of the month. Simply call us on 0800 876 6386 to arrange. Your repayment amount is fixed and won’t change for the life of your loan.

Annual loan statement

Every year on the date you opened your loan, you’ll be sent a statement confirming details of the repayments you’ve made.

Early repayment

You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full. You can find out how to do this in your agreement.

Online and Mobile Banking

You can see information about your Personal Loan in both Online and Mobile Banking. If you’ve never used it before, you’ll need to sign up first.

Find out more about Online Banking
Find out more about Mobile Banking

Top up your loan

If you want to borrow more you can top up your loan. In this case your new loan will pay off your existing loan and you will continue to make one monthly repayment. You can only arrange this in branch or over the phone by calling us on 0800 028 4055.

Take another loan

You don’t have to pay off your loan to borrow more. You can keep your original loan and take out a second one, in this case you will have two separate loan repayments to make.

Early repayment

You can repay your loan in full or make overpayments any time before the final payment is due. Take a look at our repaying your loan early page to learn more.

Settlement figure

You can request a settlement figure by calling us on 0800 028 4055. We will send you a breakdown of the settlement figure including any charges associated with early settlement.

Have your borrowing needs changed?

Please speak to us in branch or call us on 0800 028 4055 as we can assess your borrowing needs and may be able to find a solution for you. 

Money worries

We'll do our best to help you if you think you might be having financial problems.

Borrowing options

View other options, such as overdrafts, credit cards, or loans for our mortgage customers.

Got a loan question?

Send us a tweet

Please don't tweet your personal or banking details