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Make Your Dreams a Reality!
Whether it is a DIY project or something bigger, make your dreams real, with a home improvement loan up to $30,000.
Repairs & Renovation Loans1 up to $30,000
Get a home improvement renovation loan1 from Money3 up to $15,000 unsecured or up to $30,000 secured.
Money3 likes to give everyone a fair go, so whatever your credit history, we'd like to hear from you. Our renovation loans could be used for all kinds of home renovations from new kitchens to roof repairs or solar panels.
- New Kitchens - Upgrade appliances, cabinetry, benchtops, and layouts to create a more modern and usable space.
- Conservatory Extensions - Add extra living space with a light-filled area perfect for relaxing or entertaining.
- Attic Extensions - Convert unused roof space into an extra bedroom, office, or storage area.
- Solar Panels - Install solar systems to help reduce energy costs and improve energy efficiency.
- Bathroom Upgrades - Refresh fixtures, tiling, and fittings to improve comfort and functionality.
- New Flooring or Carpets - Replace worn flooring with tiles, timber, laminate, or new carpet throughout your home.
- Roof Repairs - Fix leaks, replace damaged materials, or maintain your roof to protect your home.
- Decking & Landscaping - Improve outdoor areas with new decking, gardens, paving, or entertaining spaces.
- Swimming Pools - Install or upgrade a pool to create a space for relaxation and family use.
- Professional Building Work -Cover the cost of licensed trades for structural changes, extensions, or major renovations.
- DIY Improvements - Purchase materials and tools for smaller projects you plan to complete yourself.
- House Painting - Refresh interior or exterior surfaces to improve appearance and protect your home.
- Home Security Systems - Install alarms, cameras, or smart systems to help improve safety and peace of mind.
1. Subject to verification, suitability and affordability
More Options at Home and Away
Emergency Loans
Whether you need to replace some white goods, got a broken washing machine, unexpected bills or another emergency - Money3 could help with emergency loans up to $30,000.
Rental Bond Loans
Moving home and need to pay for exit fees, such as gardening, household repairs or moving costs? We could help with loans up to $30,000.
Holiday Loans
Get away from the everyday and have an adventure with our holiday loans up to $30,000 to cover flights, hotels, spending money and more.
Quick Cash Loans
Flexible cash loan options up to $30,000 to help out in emergencies. We'll give you a fair go!
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments
Example Home Improvement Loans Costs Chart
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,042.12 | $7,042.12 |
| 24 months at 15.45% APR & 35.31% Comparison Rate | ||
| $7,500 | $4,858.19 | $12,358.19 |
| 36 months at 15.45% APR & 35.94% Comparison Rate | ||
| $10,000 | $6,003.44 | $16,003.44 |
| 36 months at 15.45% APR & 33.61% Comparison Rate | ||
EXAMPLE: A platinum unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,042.12 and a total repayment of $7,042.12. The Minimum loan term is 12 months and the Maximum term 24 months. The term will be 24 months if you repay monthly, 52 fortnights or 104 weeks. The Maximum APR is 15.45%. The Comparison Rate, based on a loan of $5,000 over two years, is 35.31%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $13,739.42 and a total repayment of $38,739.42. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 12.45%. The Comparison Rate, based on a loan of $25,000 over five years, is 18.79%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.
Home Improvement FAQs
A home improvement loan could be used for a wide range of projects, from small updates like painting or flooring to larger renovations such as kitchens, bathrooms, or extensions.
Yes, you can apply before getting quotes. This can help you understand what you could afford before committing to any work or contracts.
Yes, a home improvement loan could help cover urgent repairs such as roof damage, plumbing issues, or electrical faults that need to be fixed quickly.
Applications from customers with bad credit or poor credit are considered. Your current financial situation and ability to manage repayments are key factors.
Loan amounts depend on your circumstances. You could apply for up to $15,000 without security, or up to $30,000 with security, subject to approval.
Yes, you could1 use a loan to purchase materials and tools for DIY projects, as well as cover costs for parts of the work you plan to complete yourself.
Yes, you could use a single loan to cover multiple improvements, such as updating a kitchen while also replacing flooring or repainting your home.
1. Subject to verification, suitability and affordability
