Loan Products/Home Improvement Loan

Home Improvement Loan

Explore flexible borrowing options with transparent terms and a simple application process.

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Overview

A flexible home improvement loan with competitive rates and easy repayment options. Cover an unexpected expense, consolidate a smaller debt, or fund a bigger goal, with clear monthly repayments and a straightforward path from application to decision.

Fixed repayments

Predictable monthly amounts you can plan around.

No collateral

Backed on your position, not assets you can't risk.

Fast funding

Funds typically deposited within 1–2 business days.

Early repayment

Settle ahead of time with no penalty.

Peace of mind

Trusted by thousands

The product built around transparency and real support when you need it.

Our recovery advisors supporting borrowers around a table
$1.2B+
Recovered across 30+ industries
30+
Recovery advisors
What's included

How home improvement loan works for you

Real features, built to reduce friction and keep repayments manageable.

One clear recovery plan

Track every milestone and repayment in one dashboard, no guessing where you stand.

Available
$7,635
Monthly trend
Next payment
$739
On track
Paid so far
$8,865

Milestone-based disbursement

Funds arrive in stages as your recovery hits real milestones, built to keep you on track.

1
Initial 30%On approval
2
Next 40%90 days later
3
Final 30%On track after 6 months
Real stories

What home improvement loan borrowers say

Homestar
"

The milestone disbursement gave us breathing room, the initial 30% stabilised payroll, and the rest arrived as we hit each target. No pressure to rush.

Thabo M.
Small logistics business
Homestar
"

No collateral requirement was the difference. We needed capital to restock, and offering up property wasn't realistic, Homestar funded on our trading position instead.

Lerato K.
Independent retailer
Homestar
"

The dashboard made repayment stress-free. I could see the next payment, how much I'd cleared, and exactly where I stood, transparency was built in, not bolted on.

Jason R.
Freelance contractor
Cost breakdown

What it costs over the term

A representative example on this product, for illustration only.

Sample amount
$16,500
Interest rate
7%
Term
24 months
Monthly repayment
$739 /mo
Total repayable
$17,730
Principal $16,500Interest $1,230
On $16,500 over 24 months at 7%, representative example, for illustration only.
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Ready to apply for a Home Improvement Loan?

Fill out our quick application in minutes, no account required, we'll create one for you when your loan is approved.

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