SERVICE UPDATE [07/04/2020]

Thank you for your support and patience while we take measures to protect our staff, due to Coronavirus.

We are open for business and here for you. Our call waiting times are currently much longer than usual (approximately 30 mins) so you may prefer to call us only if urgent. We are continuing to prioritise calls for existing customers and new claims, for example, if you’ve been involved in an incident and your car’s undriveable, or your home’s uninhabitable.

For your other options, please see our homepage.


Personal Loans Calculator

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Representative APR:

60 Monthly payments of:

Total payable:

Individual rates may differ from the Representative APR

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Representative example

If you borrow £10,000 over 60 months at a Representative 3.0% APR and an annual interest rate of 2.96% (fixed) you would pay £179.51 monthly and the total amount you would repay would be £10,770.60.

At least 51% of people who take out a loan between will be given the advertised representative APR. The rate you’re offered will depend on the amount you wish to borrow along with your personal circumstances, financial circumstances and credit history.

An Admiral Home Improvement loan lets you borrow £1,000 to £25,000 between 12-60 months

What is a home improvement loan?

A home improvement loan is an unsecured personal loan that you could use to pay for home improvements like a new kitchen or bathroom, or to convert your loft or garage.

Why consider a home improvement loan?

With house prices on the rise in the UK, many people are turning to home improvements instead of buying a new home.

The average house price in January 2019 came in at £228,000 meaning many people are finding it difficult to buy their first home or upgrade to something bigger.

Home improvements could be a good option if you’re:

  • Happy in your current location and property
  • Finding it difficult to sell your home
  • Wanting to add value to your home
  • Wanting to improve your home and/or create more space
  • Unable to afford to buy a new house

The top 5 reasons for taking out an Admiral Home Improvement Loan

This data is based on a survey of 304 Admiral Home Improvement Loan customers in November 2018

Other reasons for taking out a home improvement loan could include:

  • Garage, loft or basement conversion
  • Roof replacement
  • Buying a new boiler
  • Building works like plastering or rendering
  • Electrical rewiring
  • Garden make-over

Who's taking out Admiral Home Improvement Loans?

In 2018, the average Admiral home improvement loan was £6,660 over 47 months.

And 30-39 year olds are the most likely to take out an Admiral Home Improvement Loan, borrowing a slightly higher than average £6,914.

This data is based on all home improvement loans taken out by Admiral customers between January 1st and December 31st 2018.

How does a home improvement loan work?

Once you’ve worked out how much you need to borrow and over how long (use our loan calculator if you’re not sure) you can apply for an Admiral loan online or over the phone.

We’ll check your credit history and make sure you can afford the repayments, usually we can give an instant decision but some applications are referred to our underwriters who might need more information from you.

If you’re accepted we’ll offer you a personalised rate, and you’ll see your monthly payments and total amount repayable. When you sign for the loan, you’ll get the funds in your bank account 3 working days later.

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Before you take out a Home Improvement loan

  • As with any finance, think carefully before you take out a home improvement loan – make sure you’re able to afford your monthly repayments should your financial situation change.
  • Weigh up the costs of the home improvements and how much value the work will add to your home. Make sure you research the property market, looking at similar homes in your area as well as trends in house prices. Sites like Rightmove will tell you how much properties in your neighbourhood sold for and when and we have a guide on which home improvements add the most value
  • It’s a good idea to get personal recommendations and written quotes from a number of tradesmen so you can compare prices and reviews; make sure you use a registered tradesman by checking organisations like the Federation of Master Builders.
  • Once you're happy with a price, get the quote in writing and ask the trader to include start and completion dates and agreed payment terms. Make sure you ask for a quote, which includes materials and labour, rather than an estimate so you have a good idea of how much you need to borrow and won’t be surprised by any additional costs.
  • Most tradesmen won’t expect full payment upfront, but might ask for a deposit to buy materials before they start work.
  • Before you start any work, check your home insurance policy – you usually have to let your insurer know if you’re having any structural work done, and your insurance might not cover you while you’re having works done.

"A really simple application process and quick decision."



"Very quick and very good rate. No extra hidden costs."



"Admiral have got excellent customer service and made the whole process very easy for me."


Forfar angus

Easy to apply and hit my account


Mar 2020

Very easy to apply

Waiting time for funds to be credited to account


Mar 2020

Great service


Mar 2020

Your questions answered


As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.

Admiral Loans is a trading name of Admiral Financial Services Limited (AFSL). Admiral Financial Services Limited (AFSL) is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited (AFSL) is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register,

Admiral Financial Services Limited (AFSL) is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read.

Please see our terms and conditions here.

AFSL are a member of the Finance and Leasing Association(FLA) who are an industry leader in promoting best practice within the motor finance, consumer and asset businesses in the UK. As a member we are subscribed to their Lending Code. Click here to download a copy of their Lending Code.

When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.

If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.

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