Personal loan for home improvements

Need to remodel or renovate your home, or have an emergency repair? We're here to help, in the moments that count.

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Renovate your home to meet your needs and lifestyle


Flexible loan options

With fixed rates from 12.5% p.a. you can borrow between $5,000 and $50,000. Our loan term options range from 1 to 5 years, and our repayment options of weekly, fortnightly and monthly repayments, provide flexibility to suit your needs.


Tailored to you

You can set up your home improvement loan to fit your needs, lifestyle and budget over a time frame that suits you knowing that your finances are on track and under control.

Quick Easy process

Get a decision fast

Use our loan calculator to estimate your repayments, then submit your application online. We aim to get back to you within one business day.

What is a home improvement loan?

Home improvement projects offer the opportunity to add value to your home.

Whether it be an emergency repair, bathroom makeover, building a deck, or adding an extension to your home, personal loans can provide an ideal option for funding home improvements. You can access the funds that you need and set a plan in place to pay the debt back over an agreed period.

A personal loan from AA Money is a form of secured lending. We require a motor vehicle, or motor vehicles, which you already own as security against your loan. 

With a personal loan you'll be charged interest on the amount you borrow over the term of your loan. You can get an estimate of the regular repayments required on your personal loan by using our loan calculator.

Is a personal loan right for you?

As a responsible lender, AA Money must make reasonable enquiries to ensure the loan is affordable for you.

In some cases, a personal loan may not be the right option for you.

If you are unable to meet your loan repayment obligations, you risk losing your vehicle. If you have a personal loan with AA Money, and your debts are becoming difficult to manage, please talk to us.

Apply with ease

Using our easy and simple application form and loan calculator.


Frequently asked questions

*Lending criteria, fees, terms and conditions apply. Interest rates range from 12.5% to 19.95% p.a. Actual rate will be allocated based on AA Money credit criteria.

Establishment fee of $235, Personal Property Security Register (PPSR) fee of $10.35, and Account maintenance fee of $2/month apply. For more information on interest rates, and the total cost of borrowing, view our pricing.