Home Improvement Loans
Helping you improve your home in small or big ways. Find out what loans you’re eligible for without impacting your credit score.

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.
Our panel of trusted UK lenders we 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?
A home improvement loan can be used as an upfront payment for work you want to do to improve your home and increase its value. This could be anything from installing a new kitchen or bathroom, or building an extension or loft conversion.
If you’re searching for a loan to fund a home improvement project, there are two types of loan you can search for: an unsecured personal loan or a secured loan. The biggest difference between unsecured and secured loans is that the lender does not secure an unsecured loan against any of your assets, such as your home.
Unsecured personal loans (which we offer access to)
- Usually a small, fixed rate loan for personal use
- Usually for amounts between £1,000 and £25,000
- The amount you can borrow and the rate that you see is based on factors including your personal circumstances and your credit score
Secured personal loans (which we don’t offer access to)
- Typically sums over £15,000 and repaid over longer periods of 5-25 years
- Amount you can borrow and the interest rate depends on credit history, your assets and personal circumstances
- Lenders need security in the form of an asset – usually your home. If the loan is secured on your home, it 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.
Top Personal Loans FAQs:
- Why choose a Personal Loan through Asda?
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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?
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Asda is in partnership with Aro which is a trading style of Freedom 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?
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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?
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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?
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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 Personal Loans is in partnership with Aro which is a trading style of Freedom Finance Limited, who are a leading credit broker, to offer our customers a different solution to borrowing money and finding a loan. They were awarded Best Consumer Credit Broker in the 2020 Consumer Credit Awards – voted for by customers.
We work alongside Aro so we can provide our customers with their very best loan offer from a panel of handpicked trusted lenders.
With an eligibility check, a panel of carefully selected 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.

Check your eligibility
ASDA Money is a trading name of Asda Financial Services Ltd who are an Introducer Appointed Representative of Aro which is a trading style of Freedom Finance Limited (company number 06297533) of Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Aro acts as a credit broker and not as a lender and is authorised and regulated by the Financial Conduct Authority (FRN 662079).
Please note: If you take out a loan we will receive commission. This will be a fixed amount or a percentage of the amount you borrow depending on which lender you choose.
Terms and conditions apply. UK residents, aged 18 and over. If you take out a loan or credit card, Aro receive payment from the lender. Aro receive different amounts from different lenders and the payment received will be either a fixed amount or a percentage of the amount you borrow. We will not charge you a fee for our services. If you take out a loan, ASDA Money receive commission from Aro and it will be either a fixed amount or a percentage of the amount you borrow, depending on which lender you choose.