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.
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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.
60 seconds!*
If you meet the borrowing criteria above, there’s a good chance you qualify for a Trusty Home Improvement Loan.
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**
- No application fee
- No early payout fees
- $35 Missed Repayment Fee may be issued if a scheduled repayment is missed or returned unpaid
- Interest Rate
47%pa (comparison rate 66.0347%)
- Minimum Loan Term
12 months
- Maximum Loan Term
24 months
- Flexible Repayment Options
Weekly, fortnightly or monthly (based on your payday)
**Deposit into bank account up to a maximum of $4,580, due to the establishment and set up fees being financed under the loan.
Representative example: based on a loan of $2,200 over 12 months a borrower can expect to pay a total of $3,276. This represents a comparison rate of 47% p.a. and upfront fees of $420 included in loan repayments over the life of your loan. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges.
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.
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.
How much would you like to borrow?
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.
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
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
Loans for other occassions
Need financing for something else? Trusty Finance offers flexible loans for a variety of needs:
