7 Ways to Use a Personal Loan For Home Improvement

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Your home is more than just where you sleep – it’s your space, your comfort zone, and one of the biggest investments you’ll ever make. So, if you’ve been thinking about giving it a glow-up, you’re not alone. And the good news? You don’t need a mountain of savings to get started. A personal loan for home renovations can be a fast, easy, and affordable way to upgrade your home and even increase its value.

At Loansmart, we’re all about helping Kiwis like you make smart financial decisions. Whether you’re planning a full kitchen reno or just want to boost your curb appeal, here are 7 savvy ways to use a personal loan to add real value to your home.

1. Renovate Your Kitchen – The Heart of the Home

Kitchens sell homes. A modern, functional kitchen doesn’t just look good – it adds serious value. Even small changes like new benchtops, appliances or splashbacks can make a huge impact.

A personal loan can give you the freedom to upgrade without cutting corners. At Loansmart, we make it easy to apply online in just 2 minutes and get fast approval – so you can get cooking on your project sooner.

2. Add a Deck or Outdoor Entertainment Area

Love a good summer BBQ? So do future buyers. Kiwis are all about outdoor living, and a deck or patio can make your home feel bigger and more inviting. It’s a great way to connect your indoor space with the outdoors.

With flexible personal loans up to $50,000 unsecured, you can finance the job properly and create an outdoor space that’s perfect for relaxing, entertaining, or just soaking up the sun.

3. Upgrade Your Bathroom

Let’s be honest – no one wants to shower in a cold, mouldy bathroom. An updated bathroom can significantly boost your home’s value and comfort. Whether it’s a fresh coat of paint, new tiles or a full remodel, a personal loan can help cover the cost without waiting months to save.

And with Loansmart’s low rates starting from 9.95%*, you can do it all without blowing your budget.

4. Install Energy-Efficient Upgrades

Being energy-smart is not just good for the planet – it’s great for your wallet too. Think heat pumps, solar panels, insulation, or double glazing. These upgrades make your home more comfortable and cheaper to run.

Using a personal loan to finance energy-efficient upgrades can increase your home’s resale value and appeal to eco-conscious buyers. Plus, Loansmart makes it quick and hassle-free to get the funds you need, 100% online.

5. Boost Curb Appeal with Landscaping

First impressions count – especially in property. Tidy gardens, fresh fencing, new paving or even a freshly painted front door can go a long way. You don’t need to spend a fortune, either.

A smaller personal loan could be all you need to spruce up your home’s street view. And with same-day loan options and high approval rates, we’ll help you get started without delay.

6. Create a Home Office or Extra Bedroom

Working from home is the new normal, and buyers are looking for flexible spaces. Turning a spare room, garage or even a nook into a home office or guest bedroom can add heaps of value.

It’s not always a huge job – and a personal loan can make it happen fast, without dipping into your savings. With up to 84 months to repay and fair, affordable rates, Loansmart gives you options that suit your lifestyle.

7. Future-Proof with Smart Home Tech

Modern buyers love a bit of tech – think smart lighting, security systems, or a digital thermostat. These upgrades are usually easy to install and don’t cost the earth, but they can seriously boost your home’s appeal and functionality.

A small personal loan can cover these smart upgrades, and Loansmart’s expert team is here to help you find the best loan for your needs. One application, multiple low-cost options – it’s that simple!

Why Choose Loansmart

Upgrading your home doesn’t have to be stressful or expensive. A personal loan gives you the freedom to make smart changes that add value now and in the future. Whether it’s a big reno or a few thoughtful tweaks, Loansmart is here to help you make it happen – fast, easy, and on your terms.