---
title: Home Improvement Finance UK | 0% APR for Retailers & Installers
description: Boost sales & AOV with 0% APR & interest-bearing home improvement finance. Everstead helps UK retailers, showrooms & installers offer flexible, compliant loans.
image: https://everstead.co.uk/hubfs/Home%20Improvement%20Finance-2.jpg
---

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# Start your home improvement today and pay for it over time

Using a personal loan from Everstead for home renovations could be a smart, fast way to upgrade your space or boost your home’s value – all without refinancing your mortgage, extending your term, or dealing with the stress and cost of moving house.

Check your eligibility in minutes with no impact to your credit score.\*

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## Designed for home improvement retailers in mind

**Whether you specialise in windows and doors, kitchens, bathrooms, roofing, extensions, landscaping, insulation or full refurbishments, Everstead helps you say “yes” more often.** 

- Offer home improvement loans from 0% APR to interest-bearing, with terms tailored to your projects.
- Show “Finance available” on every quote, showroom visit and website enquiry.
- Let customers choose a monthly payment that works for them, without delaying their installation.
- Win more high-value jobs without discounting your prices.

## Why choose a home improvement loan from Everstead

### Lightning-Fast Funding

Get approved and funded in as little as 24 hours – start your project without waiting weeks.

### Simple, Transparent Pricing

Clear terms from the start, so you always know exactly what you’re paying.

### Competitive Fixed Rates

Enjoy predictable monthly payments with rates designed to keep your project affordable.

### Soft Check, Zero Risk

Check your eligibility and see your exact rate in minutes with no impact to your credit score.

### Borrow Up to £50,000 Unsecured

No need to remortgage or put your home at risk – flexible amounts from £1,000 to £50,000.

### One Easy Monthly Payment

Roll materials, labour and all renovation costs into one straightforward, budget-friendly payment.

## Why choose a home improvement loan from Everstead

### Fast funding

Get approved and funded in as little as 24 hours – start your project without waiting weeks.

### Transparent pricing

Clear terms from the start, so you always know exactly what you’re paying.

### Competitive fixed rates

Enjoy fixed monthly payments with rates designed to keep your project affordable.

### Get a decision in minutes

Check your eligibility and see your exact rate in minutes with no impact to your credit score.\*

### Borrow up to £15,000 unsecured

No need to remortgage or put your home at risk – flexible amounts from £1,000 to £50,000.

### One easy monthly payment

Roll materials, labour and all renovation costs into one budget-friendly payment.

## 3 easy steps to apply & have your much needed home improvement work done

1\. Get started

Get Approved for an Everstead Loan – Check eligibility without impacting your credit score.

2\. Select your retailer

Select one of our retailers to carry out your work.

3\. Get funded

No delays in getting the work done – upon completion your selected retailer gets paid by us.

## Who can apply

You must be a UK residentYou must be over 18, or over 21 if you apply onlineYou must be employed or have a regular income You need to earn at least £1,000 per month after taxYou must not have any recent CCJs, Credit Defaults or Bankruptcies.

## What our home improvement finance covers

**We offer a range of home improvement options, including:**

- Replacement windows and doors.
- Kitchen and bathroom refurbishments.
- Loft, garage and basement conversions.
- Extensions and structural alterations.
- Renewable energy sources.
- Roofing, insulation and energy-efficiency upgrades.
- Driveways, patios, decking and garden landscaping.
- Whole-house refurbishments and cosmetic upgrades.

[Trustpilot](https://www.trustpilot.com/review/funeralsafe.co.uk)

## Home improvement finance FAQs

Why may I need a home improvement loan?

Getting a home improvement loan will enable you to spread the cost of your renovation or change, with a clear payment structure which you know exactly what you are paying monthly for and for how long, without borrowing more on your mortgage and possibly impacting your home equity.  

What can I use a home improvement loan for?

We consider a wide range of changes or additions to your home as home improvement loans. If it's a new kitchen, loft conversion, new conservatory, garage conversion, an extension or even a renewable energy package, home improvements are a great way to change your living space to suit you better. 

What to consider before taking out a home improvement loan?

Taking out a home improvement loan is an ongoing commitment which can last up to 5 years, so you need to ensure you think about how the loan repayments work with your future plans. 

\*A full credit check is carried out if the customer proceeds with a finance application, which leaves a footprint and be visible to other lenders.

## Get your home improvement project funded with Everstead

See your personalised rate and how much you could borrow with no impact to your credit score – get your home improvement project funded with Everstead today.

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Quick Links:

[Why Everstead](https://everstead.co.uk/partner/why-everstead)

[About Funeral Safe](https://everstead.co.uk/funeral-safe)

[Contact Us](https://everstead.co.uk/partner/contact-us)

[Let's Talk](https://everstead.co.uk/partner/contact-us)

#### Need help?

- [0204 634 2403](tel:00442046342403)
- [contact@everstead.co.uk](mailto:contact@everstead.co.uk)

- [Responsible Lending Statement](https://everstead.co.uk/responsible-lending-statement)
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- [Complaints](https://everstead.co.uk/complaints)
- [GDPR Policy](https://everstead.co.uk/gdpr-policy)
- [Cookie Policy](https://everstead.co.uk/cookie-policy)

Everstead and Everstead Advance are trading styles of Funeral Safe Limited, registered in England and Wales under number 09706369. Registered Office: Unit 3-5 Alton Business Centre, Valley Lane, Wherstead, Ipswich, IP9 2AX. Offered subject to status and successful credit assessment. Any late or missed repayments may have serious consequences and your credit rating may be affected which could make it more difficult to obtain credit in the future. Authorised and Regulated by the Financial Conduct Authority. Reg No.765110.

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