Make Your Home Improvements a Reality with Flexible Financing from ESLCU
The Home Improvement Loan from ESLCU offers flexible financing for projects like renovations, garden upgrades, or new installations. With loan amounts starting from £300 and repayment options that suit your budget, you can quickly transform your living space.
Our Home Improvement Loan helps fund your home projects, from redecorating to major renovations. With flexible repayment options, it’s an affordable and easy way to improve your home, and every loan is considered on a case-by-case basis.
For Our Community
Our credit union Home Improvement Loan is designed for those living, working, studying or volunteering in Norfolk, Suffolk, Cambridgeshire, or North and Central Essex.
No Set Up or Early Repayment Fees
Our loan products, including the Home Improvement Loan, have no hidden fees and you can pay off your loan early without penalty. You are also welcome to make additional payments if and when it suits you. Doing this reduces the interest you pay too.
Clear Rates, Always
Quick Decisions
Once you become a member of ESLCU, you can apply for a Home Improvement Loan. Our loan decisions are typically made within 3-4 working days, and you can check on the status of your personal loan for home improvement application at any time through the Members Area.
Flexible Repayments
Pay back your credit union Home Improvement Loan in a way that suits you. We offer monthly or weekly repayment options across all of our loan products.
Fill in the membership form on our website. Please note, there is a recurring membership fee of £1 every 4 weeks for all of our accounts.
Pay £5 using PayPal or GoCardless (you’ll see the payment page after submitting the form).
Once approved, you’ll get an email with your membership number, account details, and information about us.
Once you join, you can apply for a loan in the Members Area. Loan decisions are typically made within 3-4 working days
Use our loan calculator to estimate your repayments based on the loan amount, time, and interest rate. It’s an easy way to plan your finances and make informed decisions before applying for your personal loan for home improvement. Start calculating today and see how much you could borrow!
You can apply for a personal loan for home improvement if you live or work in North Essex, Norfolk, Suffolk, or Cambridgeshire, or work for one of our Payroll Partners like NSFT or East of England Coop. You must also be an ESLCU member.
You can apply for a Home Improvement Loan through the Members Area as soon as you join Eastern Savings & Loans. After confirming your membership, we’ll send you all the details!
Yes! You can make one-off or regular additional payments, or pay off your loan early without any extra charges. Interest is calculated on the reducing balance, meaning the more you repay, the less interest you’ll pay. This gives you flexibility to manage your loan in a way that suits you.
If you have recently completed a Debt Restructuring Order (DRO), Individual Voluntary Arrangement (IVA), or bankruptcy, it’s unlikely that you will be eligible for a loan. However, you can still open an account with us and use it as a “rainy-day” fund.
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