Home Improvement Loans

Asda Personal Loans – helping you improve your home in small or big ways. Find out which home improvement loans you’re eligible for, without impacting your credit score

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From a fresh lick of paint to extra space for the family, a home improvement loan could give you the funds you need to add value to your property. No matter the size of your project, Asda Personal Loans have you covered with access to borrowing amounts from £1,000 to £25,000.

We work with a panel of trusted UK lenders who can help you find the right loan at the right rate for you. We check if you’re eligible for a loan without impacting your credit score and give you a decision in minutes.

Why choose Asda Personal Loans?

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    The Asda advantage

    Known for putting value for money at the centre of everything we do

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    One simple form…

    Receive quotes from a trusted panel of lenders without harming your credit score

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    Asda service, Asda value, expert providers

    A loan offer that’s right for you and your circumstances

What is a home improvement loan?

You can use a home improvement loan to pay for work to improve your home and increase its value. This could be anything from installing a new kitchen or bathroom to building an extension or loft conversion.

You can consider two loan types for your home improvement project: an unsecured personal loan, or a secured loan. The key difference is that the lender does not secure an unsecured loan against your assets, such as your home.


Unsecured personal loans

  • Access offered by Asda Money
  • Usually a small, fixed-rate loan for personal use
  • Normally for amounts between £1,000 and £25,000
  • The amount you can borrow and the interest rate available depend on your personal circumstances and your credit score

Compare home improvement finance options


Secured personal loans

  • Not offered by Asda Money
  • Typically for sums over £15,000
  • Generally repaid over longer periods (5 to 25 years)
  • The amount you can borrow and the interest rate depend on credit history, your assets and personal circumstances
  • Lenders need security in the form of an asset (usually your home). This means that your home could be repossessed if you do not keep up the repayments on any debt secured against it

Your home may be repossessed if you do not keep up the repayments on a mortgage or any other debt secured against it.

What can I use a home improvement loan for?

You can use a home improvement loan for:

  • Decorating
  • Furniture
  • A new kitchen
  • A new bathroom
  • Single storey extensions
  • Conservatories
  • Loft extensions

Looking for a loan to fund something outside the home? At Asda, we help you compare loans for everything from Weddings and Holidays to Cars and Debt Consolidation.

How much can I borrow?

Choosing the right loan amount for you involves careful consideration. Asda loans provide access to a wide panel of lenders that will provide multiple loans offers that are tailored to you and your circumstances.

Our panel of lenders offer loans up to £25,000 with repayment terms between one and seven years. The individual lender will determine the interest rate and exact repayment term.

Things to consider when taking out a home improvement loan

As with all loans, you’ll pay back more than you borrow due to interest rates.

Consider that you may not add the equivalent value to your property through home improvements made with a loan.

You must ensure you’re able to afford your monthly payments and make them on time. If you miss any payments or default on the loan, this will negatively impact your credit score.

A low or bad credit score may reduce the loans available to you in future, and result in higher interest rates.

Check your eligibility for a home improvement loan today

How do our home improvement loans work?


A home improvement loan isn’t a specialist loan product. Instead, you apply for a personal loan to fund your home improvement project.

At Asda Money, we give you access to a panel of carefully selected and trusted lenders. Simply check your eligibility online with us and detail your borrowing needs. We’ll search our panel for loans that could work for you, and list all the available loans.

After this, you can compare home improvement loans to find one that’s right for you, then continue directly to the lender.

A woman pours paint into a plastic receptacle

What are the pros and cons of home improvement loans?


Consider the pros and cons of loans for home improvement before you apply:

Benefits of a home improvement loan:

  • A home improvement loan can help you increase your living space
  • New kitchens, bathrooms and extensions can all increase the value of your home
  • You could borrow the full amount or part of the total for your renovation project
  • You can choose a repayment term that suits you (generally between one and seven years)
  • After a successful application, the money could be in your account in a couple of days

Drawbacks of home improvement loans:

  • Late or missing payments could affect your ability to take out another loan in future.

Top Personal Loans FAQs:

Why choose a Personal Loan through Asda?

Customers could access great rates from carefully selected trusted lenders, so you can sit back and let us do the leg work. What’s more, when you search for a personal loan, you’ll only have a soft search on your credit history, which means you can check your eligibility without harming your credit score.

Once your loan is approved, you could receive your funds the same day.

How does it work?

Asda is in partnership with Aro which is a trading style of Aro Finance Limited, who are a leading credit broker to offer our customers a different solution to borrowing money and finding a loan. We work alongside Aro so we can provide our customers with the right offer from a panel of handpicked trusted lenders. 

With one eligibility check, you can search a panel of carefully selected lenders and provide you with a loan tailored to your needs. Once you have been approved you receive your funds which could be as quick as the same day.

So sit back, relax and let us do the hard work.

Who are your lenders?

We have carefully selected a number of trusted lenders to be on a panel. You can search the panel to provide you with the very best offer you are eligible for. Find out more about each of our lenders here.

If you have any questions on our lenders, please call our Customer Service Team on 0333 555 0560 and a colleague will be happy to help.

How much can I borrow?

Lenders offer loans from £1,000 up to £25,000 with repayment periods ranging from 1 to 7 years.

Will applying affect my credit rating?

No. One of the best things about our service is you get access to a panel of trusted lenders with no credit footprint left on your credit file. When you apply with us, a soft search is completed which doesn’t harm your credit score.

However, if you do proceed with an offer from your search with us, the lender will complete a hard search once you have accepted your offer. This will show on your credit file.

About our trusted provider, Aro

Asda is in partnership with Aro which is a trading name of Aro Finance Limited. Both Asda Money and Aro are credit brokers, not lenders. We offer our customers a different solution to borrowing money and finding a loan.

We work alongside Aro so we can provide our customers with their very best loan offer from a panel of handpicked trusted lenders.

With one simple eligibility check, our panel of lenders can provide you with a loan tailored to your needs. It’s also a safe way to find a loan without negatively affecting your credit rating.

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