Home Improvement Loans

Get a loan from Churches Mutual to cover unexpected costs, to replace your car or to improve your home.

When a lick of paint won’t cut it, our home improvement loans will help you fund repairs and renovations to your home or other property you own.

Is this loan for me?

Yes if you are looking for an affordable personal loan between £1,000 and £25,000 for a specific item or event, including family and household needs, home improvements and car purchases
Yes if the loan is not for the purpose of debt consolidation (we have a specific product for debt consolidation, see our Consolidation Loan page if you are interested)
Yes if you can make the repayments through your payroll or by direct debit from your bank

Before you apply

Churches Mutual loans are offered on an affordability basis so we take into consideration your monthly income, your expenditure and your overall credit history. If you currently have credit commitments that may impact on your ability to repay a Churches Mutual loan, you may wish to consider a Consolidation Loan. Churches Mutual does not offer payday loans but expect all loans to be repaid within a realistic time frame and a manageable budget.

If you are not an existing member of Churches Mutual, please check your eligibility before completing the application form.

Churches Mutual now uses ‘Open Banking’ to assist us in assessing the affordability of the loans we make. This means that in most cases it will no longer be necessary to send us bank statements in support of your application (there are some exceptions, for example if you bank with the Co-op), instead after you have submitted your loan application we will send you a text message with a link that enables you to give permission for us to download a report via the Sercle App to help us with assessing the amount of income you have available to repay a loan. If Open Banking is new to you Martin Lewis has a good introduction on his website:

If you cannot or do not wish to use open banking, please provide banks statements as requested in
the application form. This can be uploaded to our secure document submission page or emailed to

See our FAQs if you're unsure how to send your statements to us.

Get in touch

For Home Improvement Loans Enquiries please fill in the form below. Or call us on 01452 930 360

"*" indicates required fields

Eligibility Checker

Are you a member of...

Are you a...

Why Churches Mutual?

Our members borrow money with us because we offer some key benefits compared with most other providers.

Competitive – compare our personal loan rate to other similar products
Manageable – affordable repayments and clear start and end dates
Convenient – repayment direct from your salary or bank
Unambiguous – our advertised rate is what we lend at

David's Story

I first joined Churches Mutual credit
union in May 2018.

I have found them to be an excellent organisation, with polite, helpful, accessible staff. I have been impressed by the way they “have gone the extra mile" to support me during difficult financial circumstances with humanity and understanding.

I was unable to obtain a loan elsewhere, but Churches Mutual took me on board and enabled the purchase of a much-needed car. Their willingness to reduce the repayments when I was unable to meet them and then gradually increase them when I could said everything about the ethical standards of this organisation.

I have already made a commitment – which I am fulfilling – to save with Churches Mutual to help support clergy or church workers who need a loan.

If you are looking for ethical, mutually supportive finance, I have no hesitation in recommending Churches Mutual.

David Standen

Monday to Friday – 9.00am to 1.30pm

Drag a button, link, or anything else into the icon box to place it below the text. Lorem ipsum dolor sit amet elit.

(Closed Weekends and Bank Holidays)

Fill in your email address to receive our monthly e-newsletter

Next Steps: Sync an Email Add-On

To get the most out of your form, we suggest that you sync this form with an email add-on. To learn more about your email add-on options, visit the following page ( Important: Delete this tip before you publish the form.

Copyright © 2023 Churches Mutual. All Rights Reserved.

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram