Making home that little bit more homely

From freshening up your furniture to a total transformation, see how our home improvement loan could help you


Representative 6.4% APR for loans between £10,000 and £30,000

6.4% APR representative

For loans between £10,000 and £30,000.

Get your money instantly

If approved, the money will be in your account right away.

Apply in minutes

Get a quick decision right from our Mobile App, with no long forms to fill out.

Calculate your repayments

Enter an amount between £{{min}} and £{{max}}

Representative example

Borrowing Amount
Monthly term
Monthly repayments
3.3% p.a
Interest rate (fixed)
3.3 APR
Total repayments

Benefits of our home improvement loan

  • Borrow from £1,000 to £50,000

  • Repayable over 1 to 8 years

  • Fixed monthly payments
  • Flexibility to overpay and reduce overall interest

Who can apply?

We only have a few requirements at first direct, so you'll hopefully be able to apply with us. All we ask is that:

  • you’re 18 or over
  • you're a UK resident and live permanently in the UK
  • you have an annual income/pension before tax of £10,000 or more
  • you have a first direct current account
  • you haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or in the process of doing so)

Personal loans are subject to status. The rate you'll receive depends on your individual circumstances, credit checks and an assessment of your financial situation. The maximum APR you could be offered is 18.9% APR.

Before you apply

Here's some essential reading on our personal loans. They might not be the most exciting, but they're definitely important. 

How much will my loan cost

Loan information

Important notes about first direct

Interest Rates and Charges (PDF)

Privacy Notice (PDF)

Standards of Lending Practice (PDF)


Ready to apply?

The easiest way to apply for a loan is using the first direct App.

Head to the App to get started.

Scan the QR code to open up the App

Other ways to apply

Other useful info

Would a credit card work for you?

If you have a balance to transfer or purchases to make, we could have a credit card to suit you.

Credit cards for balance transfers and purchases

Loans guides

Deciding how to borrow money comes down to what suits you best. Here are some guides you can use to help you make up your mind:

Loan or car finance - what's best for me?

Loans for home improvements

LSB Standards of Lending Practice

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