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Woman making home improvements
Home Improvement Loans

Improve, renovate or extend your house with a home improvement loan

Representative 3.4% APR

paint and roller

Taking out a home improvement loan

If you're looking to make your DIY plans a reality or your home more energy efficient our home improvement loans could help

You can get a personalised quote at the start of your online application and then decide if you want to take out a loan with us

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm . Sometimes we need to contact you for more information, so it can take a little longer

Borrowing terms for a home improvement loan

This is the length of time over which your loan agreement is in place. Our minimum and maximum terms for certain loan amounts are shown below.

Home improvement loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 3.4%  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 3.4%  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

60 Months

Representative Example

Borrowing

£10,000

Over

60 Months

Monthly repayment

£181.25

Total repayment

£10,875.00

Representative

3.4

% APR

(Annual Percentage Rate)
Interest rate

3.40

% p.a.

(Fixed)

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator. 

Take a break, with a loan repayment holiday

When you apply for a loan, based on your circumstances, we might give you the option to defer your first repayment. 

  • It's only available at the start of your loan term
  • You can defer your first loan repayment for a period
  • If this option is available, we'll show the details of your repayment holiday at the quote stage of your application

Loan benefits and features

Benefits

Get a quote that won't affect your credit score

If you have a AIB Trust current account, in most cases we'll give you a personalised quote at the start of your application. It will confirm the loan amount and your rate with no impact on your credit score.

Same day funds

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri (excludes Bank Holidays). Sometimes we need to contact you for more information, so it can take a little longer.

Repay your loan early

If you find you have a bit more money in your account you can decide to repay your loan early. It's important to remember that you will pay an early repayment charge.

Features

Mobile App

Is a personal loan best for you? Let us help

There are lots of options when it comes to borrowing money. Depending on what you need money for, an overdraft or credit card could be a better option.

You can use our borrowing options guide to help you figure out what type of lending will best suit your needs. 

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a resident with a AIB Trust current account (held for 3+ months).
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

Ready to apply?

Something else we can help you with?