Home Improvement Loans

Need a new kitchen or bathroom? You choose with a loan from Bank of Scotland


Whatever you're planning, our Personal Loan 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.

We offer an instant online decision on your loan application.

If you’re looking to borrow money, it’s important that you make the right choice for your circumstances. Other borrowing options options may be suitable for your needs.

How much we lend and the rate available are subject to our assessment of your circumstances

More about our Personal Loan

Features and benefits

  • You could receive a rate as low as 3.9% APR Representative if you borrow £7,500 – £25,000 over one to five years
  • Wide range of borrowing options: choose to borrow from £1,000 – £50,000 over one to seven years
  • Flexible repayment options, where you can make additional payments free of charge
  • Instant money in your account. Apply online to have funds immediately transferred to your bank account between 9am–8:30pm, or before 9am the following day
  • You can manage your loan on Internet Banking
  • You have the option to apply for up to two repayment holidays of one month in a rolling 12 month period, subject to approval.

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

Keep in mind

  • Our loans are only available to Bank of Scotland current account holders who've had their account for at least one month
  • Repayment holidays are available if you meet certain conditions. Interest will be charged if you take a repayment holiday, so you'll pay more interest overall and your original term will be extended
  • If you make an early settlement on the Personal Loan, we will charge up to 58 days' interest.

Can I apply?

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.

Apply online

With our Personal Loan you can get a personalised quote and decision in minutes with no credit footprint.

Log on for a quote

Apply over the phone

If you hold a Bank of Scotland Current Account, call us on 0800 068 2395.

If you have a credit card, mortgage or existing loan with us, call us on 0800 056 7424.

Lines are open 8am–10pm seven days a week.

Apply in branch

To apply in branch, you'll need to book an appointment.

Find your nearest branch