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Home Improvement Loan

Many of our members who borrow with us have been happy to refinance their loans and keep a single payment, but what if you prefer to keep things separate and pay your loans over different repayment times - well now you can.

Our 5 most popular reasons for borrowing are now all available as stand alone loan products.

Home Improvement Loan

Whether your looking to give the house a quick facelift or build that granny flat so you can see more of the mother in law, a Home Improvement loan from Scottish Police Credit Union can help you create that home sweet home.

Features & Benefits

  • includes furniture and furnishings
  • available to all members after 1st regular deposit
  • borrow any amount up to £25,000
  • repay between 6 and 60 months for loans less than £10,000
  • repay between 6 and 120 months  for loans £10,000 - £25,000
  • can be refinanced for further Home Improvements up to the limit of £25,000
  • free loan protection insurance (T & C's Apply)
  • free payment waiver protection insurance (T & C's Apply)
  • no set up fees or early repaymemt penalties
  • guaranteed loan interest rates not representative rates (click here for up to date rates)
  • can be paid to you or a third party
  • eligible for the interest rate discount scheme


If not already used on another existing credit union loan you may be able to utilise your savings balance in your membership account and qualify for a discount on our standard rates. Simple to understand, the hiigher the percentage of your savings you can secure against your loan the higher the discount available. This can mean a fantastice 2% reduction if you can fully secure your loan.

Pleaser note that savings held in your membership account are secured against your total outstanding loan balances and access to them is restricted while your total loan balance is higher than your savings. This helps mitigate any potential losses should you find yourself unable to make your loan repayments and protects the wider membership.