Dreaming of updating your home? If you’ve got the ideas, we could help make them a reality with an affordable home improvement loan designed to suit you.

Whether its a large project like a new kitchen or bathroom or just a fresh lick of paint or sprucing up the garden, a home improvement loan from The Co-op Credit Union could unlock your plans and help you create the home you’re dreaming of.

Home improvement loans are one of our most popular products, and every year, we help hundreds of members get their plans off the ground with our affordable and flexible loans. Borrow from just £50 up to £15,000 at competitive rates and payback at a pace to suit you.

With a quick decision, once approved you’ll have the cash on hand putting you in a strong position to shop around for the best prices on whatever you need to buy.

From creating space for a growing family to getting the garden ready for summer, we know the difference it can make to finally get those jobs sorted and turn your house into a home.

Apply now or get in touch with the team to get started.

Already a member? Apply for a loan now

New member? Find out how to join & borrow

Why chose us?

  • We could save you money compared to borrowing on your credit card, overdraft or in-store credit plans:  try our loan calculator to see how much you could save
  • Our interest rates are competitive because we’re a not-for-profit organisation owned by members and run for the benefit of members.
  • Our loan decisions are made by people, not computers. If you’ve been turned down elsewhere, we may still be able to help.
  • We also pride ourselves on being fair and transparent – there are no hidden charges or early repayment penalties with our loans and we only charge interest on the reducing loan balance to save you money.
  • With a credit union, you also save as you borrow – so you’ll build up a pot of savings for future use.
  • Repayments are taken by payroll deduction (for qualifying members), or direct debit making repayments easy.
    Please note, all loans are subject to our lending policy and affordability checks. We may request a copy of your last 3 payslips and last 3 months bank statements.

Already a member? Apply for a loan now

New member? Find out how to join & borrow

Useful tools

Use our loans calculator to get an idea of what your monthly payments might be, and our budget calculator to check what you could afford to borrow.