Home Improvement Loans

Steady pace or speed up? You choose with a loan from Bank of Scotland


With the option to pay back early, you're fully in control. How much we lend and the rate available are subject to our assessment of your circumstances.

Whatever you're planning, our low rate loans could turn your home improvement ideas into reality. Whether it's re-decorating the bedroom, installing a new bathroom or kitchen or doing up the garden, Bank of Scotland offers existing customers home improvement loans from £1,000 to £50,000 to suit any purpose.

Personal Loan

Flexible Loan

Who can apply

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month.

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month

APR Representative available on loans from £7,500 to £25,000 over 1 to 5 years*

3.9% APR

4.6% APR

Manage your loan

  • Internet banking
  • Internet banking
  • Branch

Paying off your loan early

If you make an early settlement we may charge up to 58 days' interest.

No charge to pay off your loan early for Flexible Loan customers.

Personal Loan

Personal Loan calculator

Flexible Loan

Flexible Loan calculator

*Other loan amounts between £1,000 and £50,000 are available at different rates.

If you’re an existing Bank of Scotland customer with a Bank of Scotland bank account (excluding Easycash) held for at least 1 month, you can get a personalised quote and apply online. You can still get a quote and apply if you have a credit card, a mortgage or a loan with us. Find out how with the Flexible Loan.