Home Improvements Loan

Make your house a home!

PersonalCompetitive rates

Time$2,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

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How much do you need for your renovations?


$2,000 $30,000

Repayments as low as




total payable

Take a look at what other Kiwis say about us

Why improve your home with a personal loan?


House renovations

If you're keen to add value to your home with a renovation, you can opt for an unsecured fixed rate personal loan. This will avoid you extending your mortgage and borrowing money against the value of your house.
Getting a renovation loan based on your credit history instead of your home's equity means you can use your personal loan funds however you want.

Fixed Interest Rate

Cover unexpected expenses

Complete that renovation project, add a deck, or upgrade your bathroom. Get on top of upgrades and replacements, such as roof repairs and broken water heaters.

Why choose Nectar to help with your home renovations?

Get your personalised loan quote
as soon as 8:45 pm*

  • Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • Choose a loan option

    Select the amount and payment option that suits you.

  • Receive funds as soon as today

    If approved, we aim to have the funds in your account the same day as your contract being signed online.

* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions.
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Up front rates with no hidden fees


Loan sizes

$2,000 - $30,000

Establishment Fee

Establishment fee

$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a.)

11.95% - 29.95%

Loan Terms

Loan terms

6 months - 5 years

Loan features:

  • Loans are unsecured
  • No early repayment penalties
  • We fix your personalised interest rate for the life of the loan
  • You can make repayments weekly, fortnightly or monthly depending on your pay cycle

Get a home improvement loan today

Renovating your home is always exciting, but it can also be incredibly stressful. Whether you’re upgrading your bathroom or kitchen, or extending the house to fit new family members, renovations are more accessible with home improvement loans from Nectar. We tailor our personal loans to your needs.

A home improvement loan is a personal loan that you can use for any costs associated with renovating your residential home. We don’t ask for extensive paperwork from all your contractors or need a valuation like the bank usually would. Instead, once you’re approved, we aim to have your home improvement funds in your bank account the same day.

Common home improvement loan questions

1. What is a home improvement loan?

A home improvement loan is money borrowed from a bank or online lender for personal expenses relating to improvements or maintenance of your home. If you have a successful loan application, the personal loan is not usually secured by collateral. Lenders approve personal loans based on an applicant's credit score, regular income, and financial history. Secured loans, on the other hand, require collateral such as a house or car.

2. How does a Nectar home improvement loan work?

As a responsible lender, we consider your financial and personal circumstances when evaluating your personal loan application from Nectar. Nectar offers a range of personal loans for different personal circumstances - car loans, emergency loans, debt consolidation loans, home improvement loans, holiday loans and even wedding loans.

We need to know about your income, expenses, and any debts or loans you have. We will provide you a Nectar loan quote, including the interest rate, maximum borrowing amount and repayment terms. You can then choose if you wish to accept it.

Managing your Nectar home improvement loan is easy. Borrowers can access the Nectar borrower portal to view their loan balance, upcoming repayment dates, repayment amounts due and apply for loan top ups.

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Personal loans that fit your needs

Whether it’s to cover a major expense or improve your home, Nectar Money may be able to help

Debt Consolidation Loans

Consolidate multiple loans into one payment

Car Loans

Buy a car today with our car loans

Home Improvement Loans

Get a home improvement loan with a competitive rate

Holiday Loans

Take care of your holiday costs in advance

Emergency Loans

Take control and pay off unexpected expenses

Wedding Loans

Manage your wedding expenses and ensure your special day runs smoothly

Get started

Get your personalised loan quote in minutes with no obligation to accept1

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Terms and conditions
1 A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar Money’s personalised interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances. A $240 establishment fee and $1.75 admin fee per repayment applies. There are no early repayment penalties.