A loan built just for you.

Home Improvement Loans

If you’re planning an extension, a loft conversion or a new kitchen, a home improvement loan from Republic Trust Bank could be just what you need to get building. We could give you a guaranteed, personalised rate right now, and normally you can receive formal approval on your loan application the same day.

Loans are subject to status

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See what our customers have to say

After taking out a home improvement loan or another financial product, 98% of Republic Trust Bank customers would recommend us based on 2008 feefo.com respondents - as of 03/04/20). Read our reviews

Always fair and square

At Republic Trust Bank we make sure you know where you stand, right from the start. We give you a guaranteed home improvement loan rate when you ask for a quote - and it might be better than you could get from your own bank. Get an instant quote from us now, with no impact on your credit score.

We’re committed to being transparent which means we are honest, open, upfront, clear and fair when it comes to personal loans. This is our five-point promise to you.

Read our Transparency Charter

A quote that won’t show up in your credit score

Your credit score can make a difference to how much you can borrow, who will lend to you and what rates you’ll end up paying. But when you ask us for a quote, we only do what’s called a ‘soft’ credit search. That means it won’t leave a footprint that’s visible to other lenders. We only record a search footprint if you decide to proceed with the loan application.

What’s different about a Republic Trust Bank home improvement loan?

No rug-pulling. We give you a clear, guaranteed rate upfront, with fixed monthly repayments.
Beat the street. A loan from us may be a better rate than high-street banks, including your own.
Built to fit. Our team will consider your personal circumstances when it comes to getting a home improvement loan.
A little or a lot. You can borrow from $1,000 to $25,000.
No footprints. Getting an instant online quote won’t leave a mark on your credit score, so you have nothing to lose.
Longer loan terms. Available from 1 -7 years.

Realise your dream home improvements with a straightforward loan at a fair and guaranteed rate.

With a personalised quote from us, you’ll have the clear budget you need to plan your new kitchen, bathroom or extension - so get a quote now - with no effect on your credit score.

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Representative Example

The rate you are offered will depend on your individual circumstances.

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

Representative Example: for comparison purposes 14.9% APR Representative Fixed based on a loan of $10,000 repayable over 60 Months. Monthly payment of $232.53 total amount repayable $13,951.80.