Home Improvement Loans

Home Improvement Loans – Finance Made Simple

When your home needs repairs or upgrades, waiting is not always an option. Trusty Finance home improvement loans make borrowing simple, transparent and fast, so you can get the work done without the stress.

Borrow up to $5,000 to help fund your home improvements.

What Is a Home Improvement Loan?

A home improvement loan from Trusty Finance is a flexible personal loan between $2,100 and $5,000 designed to cover renovations, repairs or upgrades around your home. Apply online in minutes, receive a quick decision, and if approved, your funds are sent straight to your account so you can get started right away.

Why Choose Trusty Finance for a Home Improvement Loan?

We make home improvement finance quick and simple.

Borrow what you need

Flexible loan amounts to suit your project.

Fast approvals

Because urgent repairs and upgrades should not wait.

Affordable repayments

Manageable instalments that fit your budget.

What Can Home Improvement Loans Cover?

A Trusty home improvement loan can help you cover the costs of:

Renovations

Refresh your kitchen, bathroom or living spaces, giving your home a new lease on life.

Repairs and maintenance

Fix plumbing, roofing or electrical problems, keeping your home safe and functional.

New appliances and furniture

Replace essentials to keep your household running smoothly without disruption.

Landscaping and outdoor upgrades

Update your garden, patio or fencing to create outdoor areas you can enjoy every day.

Energy efficiency improvements

Install new lighting, insulation or other upgrades that help reduce household bills over time.

Who Can Apply For a Home Improvement Loan?

You’re eligible to apply if you:

Are at least 18 years old
Are employed with consistent income for 90 days
Are an Australian Citizen or permanent resident with a fixed address
Have an active email address, phone number & online banking details in your name
Own a motor vehicle registered in your name
Are in control of your current finances and handling your existing financial commitments

We assess each application individually, so if you meet these criteria, you’re already on your way to approval.

Receive your cash in
60 seconds!*

Check Your Eligibility

If you meet the borrowing criteria above, there’s a good chance you qualify for a Trusty Home Improvement Loan.

How it Works

Home Improvement Loans: Rates & Fees

We believe in transparent lending – no hidden fees or nasty surprises.

Loan Amount

$2,100 – $5,000**

Fees

$400 establishment fee**
$20 set up fee**
Interest rate of 47% per annum
No application fee
No early payout fees

Loan Term

12-24 months

Flexible Repayment Options

Weekly, fortnightly or monthly (based on your payday)

Missed Repayment Fee

$35 fee may be issued if a scheduled repayment is missed or returned unpaid

**Deposit into bank account up to a maximum of $4,580, due to the establishment and set up fees being financed under the loan.

Simple, Fast & Hassle-Free

We make things straightforward so you can focus on your home upgrades, not the paperwork. With a simple checklist and quick online application, finding out if you qualify for a home improvement loan is hassle-free and built around you.

Check if you are eligible Our eligibility checklist makes it easy to check your eligibility before you apply

Apply online Fill out our application form in minutes

Get a quick decision We process applications quickly, so you get a decision fast

Receive your cash Once approved, accept your offer, and funds are sent directly to your account

Our Commitment to Responsible Lending

At Trusty Finance, we take responsible lending seriously. We are committed to ensuring our small loans are manageable and sustainable for our customers.

We only approve loans that are affordable and manageable based on your financial situation.
We follow strict responsible lending guidelines to ensure transparency.
We’re committed to helping you borrow smarter, with clear terms and no hidden fees.

If you ever need support with repayments, we’re here to help. Read our full Responsible Lending Statement.

The information provided on this website is general in nature and does not take into account your individual objectives, financial situation, or needs. It is intended for informational purposes only and should not be considered financial, investment, or professional advice.

Before making any financial decisions, we strongly recommend assessing whether the information is suitable for your circumstances. Trusty Finance does not provide personalised financial advice, and you should seek independent financial, legal, tax, or other professional advice tailored to your specific situation.

How much would you like to borrow?

How much?

Borrowed over:

12 months 24 months

Payment frequency

Weekly Fortnightly Monthly

Estimated weekly repayment*

$81.01

Ready to get started? Apply today and you could receive a same-day outcome on your application*

Loan details

12 months Loan term
$1,072 Interest & Fees
$3,172 Total to pay

Check your eligibility

WARNING: This calculation is true only for the examples given and may not include all fees and charges. The above is based on an interest rate of 47% and establishment and set up fees of $420. Approval is subject to your needs and affordability and lending criteria being met.

Your Home Improvement Loan
Questions Answered

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What is the best type of loan to get for home improvement?

For many Australians, a home improvement loan is one of the most straightforward ways to fund renovations or upgrades. A Trusty Finance home improvement loan offers a clear structure, transparent fees and flexible repayments so you can manage costs without relying on credit cards or dipping into savings.

Can I borrow money for home improvements?

Yes. A home improvement loan is a type of personal loan that allows you to spread the cost of repairs, upgrades or renovations over time. At Trusty Finance, loan amounts range from $2,100 to $5,000, which makes them suitable for home improvements like new appliances, insulation, painting or minor renovations. Funds are paid directly into your bank account, so you do not have to wait to get started.

Is taking out a loan for home improvements something people usually consider?

A home improvement loan can be a practical option if the repayments fit comfortably within your budget. It allows you to spread the cost of repairs or upgrades over time, rather than paying for everything up front. Many Australians choose this approach to manage expenses while still being able to enhance or maintain their home.

What is the best type of loan to get for home improvement?

Can I borrow money for home improvements?

Is taking out a loan for home improvements something people usually consider?

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Why Trusty Finance

A Faster and Simpler
Way to Borrow

With Trusty Finance, you’ll always get quick assessments, flexible repayments, and local support – plus no hidden fees and no long waits. Get the money you want fast and without the stress.

Receive your cash in 60 seconds!*

Super Fast Approvals

Get a decision in minutes

Simple Application

Easy to understand, 100% online

Flexible Repayments

Weekly, fortnightly or monthly

Trusted & Transparent

No hidden fees, ever

100% Australian-based

Local and trusted support

What Our Customers Say

Real stories from real people who’ve used Trusty Finance to take control of their finances.

Very polite customer service

Very polite customer service officer resolved my inquiry immediately, no problem, thank you.

Emily C Melbourne

Very satisfied customer

Trusty was there when needed the most.

Ava Marie Brisbane

Process was so easy

Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through.

Josh Turner Adelaide

Really easy first experience

This was my first time using Trusty, and it was really easy. I will definitely stick with them if I need money.

Jackie Ford Sunshine Coast

I wish I had known about you earlier!

The stress and processes of trying to get a loan has been exhausting and depressing! Trusty made it very easy and someone was there to help if I had any questions.

Mitchell Smythe Wollongong

Made me feel comfortable

I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions.

Stacey George Sydney