Bathroom loans 1 Bathroom loans 1

Bathroom Loans

Here at Finio Loans, if you have bad credit or a poor credit history, then we may be able to provide you with the bathroom finance you require. If you’re looking to update a traditional bathroom to a modern fitted bathroom, a bathroom loan from us could be an alternative to buying a new bathroom on finance.

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Representative 39.9% APR

Representative 39.9% APR

Representative example

Borrowing £2,000 over 24 months at Representative 39.9% APR and Interest rate 39.9% p.a. (fixed) with monthly repayments of £116.07 and a total amount payable of £2,785.68 This example is for illustration purposes only. The rate and / or term you are offered is dependent on your individual circumstances Rates from 39.9% APR to maximum 69.9% APR. Loan terms from 12 to 36 months.

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How do bathroom loans work?

Our bathroom loans contain a number of different repayment options, with repayment periods ranging from 12 months to 60 months. Our bathroom loans also range from £1,000 to £10,000, and can be used when bathroom finance isn't an option for you.

Applying for a quote online is quick and simple. Plus, it won't affect your credit score.

Bathroom 1

Get a Quick Quote for a Kitchen Loan

All our loans are unsecured, meaning that you do not need to secure it against your home. Plus, if you apply for a quote today, it will not affect your credit score.

Check your eligibility online today to see what we can do for you and you’ll be one step closer to that bath suite you’ve always dreamed of. A bathroom loan could be the ideal alternative to bathroom finance for bad credit individuals. Simply get in contact if you have any questions.

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Representative 39.9% APR

Frequently answered questions

What is a bathroom loan?

A bathroom loan is designed to fund your bathroom renovations. This could be for anything as simple as spreading the cost of new power tools or building materials, or getting new features installed - from shower baths suites and walk-in showers to more bathroom storage or even adding an illuminated mirror to your vanity unit.

Can I get a bathroom loan with a bad credit score?

With the ability to shop around online for different types of loans, getting rejected by your bank isn’t necessarily a problem as lenders like Finio Loans may be able to give you access to bad credit loans despite a low credit score. We understand that your financial history may not reflect your position now, so when applying for a bathroom loan with bad credit, lenders will look at your current financial situation and other indicators to decide whether you’ll be able to afford the fixed monthly repayments on the loan.

If you’re worried about being rejected because of your bad credit history, you can check your eligibility with us without having an impact on your credit score. We do soft search credit checks which mean your credit ratings won’t be affected at this stage. Simply enter a loan amount and term into our online loans calculator with a few of your details to receive your personalised loan quote.

Can I get an unsecured bathroom loan without a guarantor?

Yes. We offer unsecured loans which mean you neither need to secure your loan against your assets nor need someone else to be a guarantor as part of your application.

Can I get a bathroom loan with no credit check?

No. Responsible lending is our priority so we carry out credit checks to make sure we aren’t lending to anyone who can’t afford it.

What is the criteria to get a bathroom loan?

As with most loan providers, our lender requirements are that you’ll need to be over 18, a UK resident, employed and have a bank account and debit card to complete a loan application. In terms of income, you should be able to comfortably afford monthly payments from your regular income - for example, as a guide, £700 per month would be a minimum. We’ll look at your credit history and personal finances before making our decision.

How long will it take before receiving the bathroom loan?

Applying for any loan with Finio Loans is quick and simple and you’ll find out if you are eligible within minutes. After that, you should have your money in your current account by the next working day.

What is an APR?

APR is the annual percentage rate and important for calculating the cost of money borrowed. Interest rates, fees, how often it’s charged and all other costs contribute to the APR. Representative APR is the APR we'll offer to at least 51% of people who are eligible - it's not a guarantee. The remaining customers that are also accepted will be offered a different APR than the one advertised based on individual circumstances. Please note, the APR offered is based on your personal situation and is dependent on many different factors. As such the APR offered may be different from the representative APR.

Will I pay a higher rate if I have bad credit?

Yes, you might. As a lender, we offer our representative APR of 39.9% to at least 51% of customers who are accepted for a loan. If you have bad credit, you may be charged a different rate.

What loan repayment terms are available for bathroom loans?

For a bathroom loan, you have plenty of borrowing options, with £1,000 to £10,000 available for loan periods between 12 to 60 months which you can pay monthly.

Can I top up my bathroom loan?

You may be able to top up your loan in the future if you become eligible. You can check your eligibility through your online account.

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Kitchen loans 2 1

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