HOME IMPROVEMENT Loans

Grow your space or add value to your home without having to move

  • Enhancing your living space with a new kitchen, bathroom or an extension

  • Spread the cost of your project without borrowing more on your mortgage

  • Discreet online application process with an instant decision

  • Check your eligibility without affecting your credit score

Our loans are available to UK residents over 18 years of age.  Interest rates & monthly repayments are dependant on your loan amount & your own personal services.  All loans are subject to status & terms & conditions. Occasionally we may offer you a guarantor loan, meaning that you will need someone (a relative or friend) who would be happy to guarantee the repayments of your loan should you be unable to pay.

Why Choose The Personal Loan Company?

If you are looking for a loan to allow you to spread the cost of home improvements, The Personal Loan Company has the loan solution for you.  We have joined forces with leading broker to enable us to offer you the best rates on the market for your particular circumstances.  With access to over 90 funders, you won't have to spend hours searching for the right loan.   Our online application process is quick and simple and you will usually receive an offer immediately.  With fixed monthly repayments and no fees, The Personal Loan Company can help secure you funding that may be cheaper than the High Street banks.

Unsecured Personal Loans

Unsecured personal loans basically mean that if your application is successful, we won't secure the loan on your house, car or any other assets, this means that you can spend this money on the things that you need.

How much can I borrow & how much will it cost me?

You can apply for a loan of £1000 - £50,000 over 12 to 120 months. Depending on how much you would like to borrow, this could affect how many months you can spread your loan across.  Interest rates are set across the whole length of the loan & are fixed. Once you have applied for & been accepted for your loan, we will work out how much interest you will pay over the whole length of the loan & we will add this to the loan amount.  Your interest is calculated by applying interest at a monthly rate based on the APR & then dividing this by the number of months your loan will last.

The minimum interest rate we could offer could be 5%APR & the maximum could be 75%APR

My credit score isn't great, can you still help me?

Yes! Our funders have many different options available to everyone. We can help to find a solution if you are employed, self-employed, a student, on benefits or have a low credit score.  

Our funders reserve the lowest rates for the customers with a spotless credit history, so it is likely that you will be charged a higher rate of interest or possibly offered a guarantor loan.

Who will my loan be provided by?

Your application will be processed by our partners at Loans Warehouse.  We have access to over 90 lenders and over 5,700 products meaning that we can find the best funding for you and your own personal circumstances 

Representative Example

​If you borrow £5000 over 5 years at a representative APR of 12% and an annual rate of 6.7% (fixed), you would pay £111.48 per month.  The total charge for credit would be £1688.80 and the total amount repayable would be £6688.80.  The minimum repayment period is 12 months.  

The APR% rate you will be offered is dependant on your own personal circumstances.  

The Personal Loan Company is a leading credit broker and not a lender.

There is no guarantee that you will qualify for any advertised rates.  Lenders are allowed to advertise low rates of interest if more than 51% of their successful applicants receive those rates.

Our simple online application form can be accessed by clicking on the "apply now" button below ​