Your finance options

Before you embark on your design journey with us, it’s a good idea to have a think about finance options. Some of our clients prefer to fully self-finance, while others have benefitted from exploring options from lenders. By looking around, you might find a good alternative to paying the entire balance in one go. Some have even used these options to make an existing budget bigger.

While we aren’t in a position to recommend any one option over another, we can provide a starting point for your research. Here’s a list of well-known, trusted lenders who offer APR as low as 2.8% on loans of £25,000.

Some companies that might be able to help


Starting APR: 3.3%

Value: £7,500 – 25,000

Term: 24 – 60 months

Trust Pilot rating: 2/5



Starting APR: 5.5%

Value: £7,500 – 15,000

Term: 24 – 60 months

Trust Pilot rating: 2/5



Starting APR: 5.1%

Value: £5,000 – 2,000,000

Term: 3 – 30 years

Trust Pilot rating: 5/5


Believe Loans

Starting APR: 3.65%

Value: £10,000 – 2,500,000

Term: Variable

Trust Pilot rating: 5/5



Starting APR: 2.8%

Value: £1,000 – 25,000

Term: Variable

Trust Pilot rating: 5/5



Starting APR: 3%

Value: £7,500 – 25,000

Term: 12 – 60 months

Trust Pilot rating: 1/5


**This information was gathered in June 2019 and may be subject to change**

Our final thoughts

Zopa offers a particularly wide range of loans, and has been applauded for its customer service at the Consumer Moneyfacts Awards 2018. The interest rate is competitive, although it does come with a fee.

Alternatively, a Home Equity Loan can release equity to fund home improvements such as a bespoke kitchen from Sustainable Kitchens. Loans of this nature often have a lower interest rate (in comparison to a personal loan, for instance), as they are seen as a secured loan. Of course, there are some catches: the home owner usually has to have at least 20% equity in their home. It’s also worth noting that due to the longer terms of loans like this, which often range from 5 to 20 years, you’re likely to pay more interest than a shorter term personal loan with a higher interest rate.

Got a project idea or just want to chat?