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Many people consider personal loans to raise finance for home improvements, when looking at using a personal loan it is important to consider a few factors, the first is it is always cheaper to save. Personal finance enables you to raise money quickly but when repaying your loan you will be paying back interest as well as the original amount you borrowed.

If you borrow £8,000 over 10 years at an APR of 7.9%, you will end up repaying £11,596.78 over the term of the loan, with monthly repayments of £96.64. It is important you ensure are able to keep up repayments on your loan as missed payments may effect your credit score and cause an increase in the cost of future credit as well as the availability

Once you have decided you are going to take out a personal loan you need to consider who you are going borrow from, high street banks are the biggest provider of personal loans, but you may face rejection if you have an adverse credit rating. Before applying for a personal loan it may be worth examining your credit profile, this can be carried out with the credit agencies such as Equifax or Experian. If you find that you have a poor credit score there may still be providers available but may need to find a more specialist personal loan lender.

Personal Loans For Home Improvements

Personal loans range from £1,000 up to £15,000, usually over a term of a maximum of 15 years. personal loans can be used for almost any purpose and can help you spread the cost of your home improvement project (although you will end up paying more over the term of the loan). Common home improvement projects funded by a personal loan includes, replacement windows, adding a conservatory, converting a loft or garage, repairing a roof, adding patio door, garden landscaping really anything that cost up to £15,000. It is important you properly budget your home improvement project and borrow enough money to complete the job. If you need to borrow more than £15,000 then their are other finance options available such as a home owner loan or remortgaging, it is important to note that both these loans are secured on your home.

Personal Loans For Tenants

Unlike home owner loans and remortgaging, personal loans are suitable for non home owners and tenants. If you are a tenant you may find that you have a higher apr than a home owner.