Gardening & Home Improvement Loans

£100 - £5,000 paid out by 11:20pm

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

There is no doubt that your home is your greatest investment. Do you want to make your house look like Kew Gardens? Thus maintaining your home is important for ensuring its value as well as you provide a haven for your family. Whether you are a DIYer or not you may find that you need to do repair, home maintenance, or other projects and you don’t have the money hand. Look no further than home and gardening loans that will provide excellent options for helping you take care of home which has taken care of you. In this article, we will discuss everything you need to know about loans for your home and garden.

What is a home improvement loan

This is a personal loan that is unsecured and can be made without the provision of any collateral. Home improvement loans are unlike other home-related financings that you have ever heard of since you won’t have to provide your home title. Neither is it a reverse mortgage or mortgage and your home will not be at risk. Depending on the size of loan that you take you will repay the amount in regular monthly payments or installments. The majority of loans are paid back within three to five years, payment does not vary so long as you pay as promised as well as they don’t accrue any penalties or additional fees. Your ability to repay and credit history will determine the loan amount you qualify for and it is dependent on your annual income. Home improvement loans help with the managing rising cost of owning a home and they can be as small or as large as you want them.

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

Make your garden look like Kew Gardens with a loan

This is a loan that is provided to a borrower to grow their kew garden or finance garden-related projects. Gardening loans can be availed to individuals and institutions, the main aim idea behind gardening loans is to facilitate maximum green cover. You can use the money to buy plants for your kitchen garden, ornamental gardens, pay for gardening services, or even buying a piece of gardening equipment such as a lawnmower or strimmer. Gardens require hard work and if your garden requires more attention you could find yourself requiring extra funds to either buy garden items or hire the services of a professional to help you out. You can get a garden loan through your phone at the comfort of your home and have your garden sorted.

Why choose this type of loan

There are numerous ways to finance and borrow for your home projects and it can be challenging to know which is best. A popular choice is credit cards that lack the stability of a home or garden loan but they do not require you to take out a loan. These loans have fixed rates and the amount you pay monthly is steady. Also, they boast of having the same interest rates over the life of the loan. Home and garden loans are easy to get through a fast online application and approval process. They provide the option of you getting your cash the next business day.

How to use these loans

Home and garden loans are generally personal loans and the funds can be used as you please. The majority of the people who take these loans use them for home-related expenses such as making repairs or getting a lawnmower for their garden. The leftover money can be used to pay off credit cards or finance your mortgage, whichever thing you decide to do the money is yours to spend. These loans are used to increase the value of the property or make it more enjoyable to live in and among the projects that may require you borrowing funds include building a garage, a second bathroom, installing new equipment, or purchasing Kew garden equipment. These ideas will give your home a facelift and make the home more worthy resulting in the loan being a solid investment in the future. There is no limit to what you can do with your home or gardening loan whether it is making repairs or getting that hosepipe to water your lawn.

How to apply for a loan

In recent years things have changed for homeowners and it is now very easy to get a loan to update a tired bathroom or have your grass cut. The option of getting your loan from a bank is open but limited because your application has to be made during banking hours and an appointment with the bank manager might be hard to come by. If you want to make your application during the weekend or evening you will run out of luck. The best way to shop for a loan is by applying through your phone or online, you will only need to search for the best loans available from a gardening product that serves you. Get the loan amount that you need and at the rate that you need. A good alternative is trying out different loan providers before choosing the provider that you will get your loan from.

Do you qualify for this loan

You may have concerns as to whether you will be approved for either a home improvement loan or gardening loan. When determining if you are eligible to qualify a few considerations are made by the lenders. These include your ability to repay which is determined by your existing debts and your annual income and your credit history. How you will qualify and the details that they will ask from you will differ from one lender to the other. Below are what you need for your loan application:
•Your annual income and expenses
•Basic personal information including your phone number and a valid email address so that they contact you
•The amount you want to borrow
•How much funds do you have in your investment and savings account
•Your loan history for the past three months
•Details of your debit account and bank account

How you can improve your credit score

Loans are essential since they come in handy in dire situations thus maintaining a healthy credit score is important. The best way to have a strong credit score is by boosting it constantly and it could offer you the best rates on all sorts of credit. Below are few tips to help you improve your credit rating:
Pay your bills on time. Ensure you pay for your utilities on time and this will improve your credit rating within a short time.
Register vote. By registering your identity lenders find it easy to verify your identity.
Pay off any outstanding debts. Debts drag your credit score down and you can work out a repayment plan to deal with your debts.
Make sure you use 50% of your available credit. Don’t max your credit card and this will help you cut down on expenses which will improve your credit rating.
Pay back borrowed money on time. This shows lenders that you can be trusted and it is a great way to boost your credit score.
Avoid overdrafts at all costs. Bank overdrafts will quickly bring down your credit score and going down into the red zone will negatively affect your credit rating.

Frequently Asked Questions

Can I get a home or garden loan with bad credit?

Yes, you may still get the loan. However, your loan application will be highly scrutinized so that the lender will decide whether you will get the loan or not. Your loan application will be looked at its merit and you are not guaranteed that your loan will be approved.

Will my loan be approved if I have bad credit?

Your loan lender will make sure that your loan is affordable by looking at your earnings and subtracting all of your expenses. If the amount remaining is enough to repay your loan monthly then you might be approved to get the loan.

How quickly will my loan be paid out?

Your gardening or home improvement loan could be in your account in a matter of seconds. Check out with your bank to know if they accept payments so that you can receive your funds as fast as possible. If you apply for your loan online at night be sure it will be in your account the next morning.

Will a poor credit history affect my application?

Yes. No lender will be willing to loan you with the risk of losing their money. Though you might get the loan at a higher interest rate and if the lenders feel that you are too much of a risk you might not get the loan.

Can I get a loan without a guarantor?

Yes. These loans are personal loans and they don’t require a guarantor. What matters when you have a guarantor is their credit history and since you are the one who requires the loan then the guarantor is not required.

What to expect when applying for either of these loans

If you are approved for either a gardening or home improvement loan when applying online or using your phone, the preliminary loan should be visible on your end. That is the loan amount and the interest rate, the loan lender service should tell you what you qualify for in minutes. Fill in the required form while being careful since a hard inquiry can deter your application resulting in declining your loan request or getting the loan with higher rates.

Omacl on the FCA Register

Omacl is a registered trading name of Chojin Ltd and is authorised and regulated by the Financial Conduct Authority (FCA). You can view our registration status via reference number 732880.

Free Financial Advice

If you are struggling with debt or are unable to make your loan repayments, please visit the websites below. All of them offer free, impartial advice.

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