Q:Can I combine multiple goals into one personal loan?
Absolutely! A personal loan can cover multiple expenses at once — whether it's a holiday, home improvement, and debt consolidation all in one. We'll help you structure it to match your needs.
Home Improvement Loans
Transform your house into home
Turn your house into your dream home. Fund renovations, extensions, or upgrades without tapping into your savings.
Whether it's a fresh coat of paint, a full kitchen overhaul, or adding that extra bedroom — a CCL Home Improvement Loan gives you the freedom to enhance your living space without draining your reserves.
Key Features & Highlights
Loans from $5,000 to $100,000 (conditions apply)
Secured or unsecured options
Fixed and Variable rates available
1–7 year loan terms
Weekly, fortnightly, or monthly repayments
Fast approval process
Cover small upgrades to major renovations
No hidden fees or surprises
The CCL Difference
Your Personal Lending
Consultant
At CCL, we're your personal lending consultant. We understand that your home is more than just four walls — it's where life happens. We're here to help you create the perfect space for your family, with flexible finance that fits your budget.
Access to a large panel of trusted lenders
We have options to custom fit your choices!
Secure Your Personal Loan Today
3 Quick and Easy Steps to
Securing Your CCL Personal Loan
Personalised Loan Build
Chat with our team over the phone. We'll tailor a loan structure around your goals and needs — built just for you.
Streamlined Application
We handle all the nitty-gritty. Provide the details we need, and we take care of the rest — simple, seamless, and stress-free.
Fast Decision
Thanks to our expertise and strong lender relationships, your loan decision comes quickly. We make it so easy, you'll be saying: "That was too easy!"
Ready to Get Started?
Let's build your personalised loan solution together. Our expert team is ready to guide you through every step.
Get StartedLoan Calculator
Want an idea of what your van loan repayments might look like? Enter your loan amount and term — we'll show you an estimate.
Loan Details
$
$5,000
$500,000
%
1%
20%
1 year
30 years
Important Note
This calculator provides estimates only. Actual rates and repayments may vary based on your individual circumstances, credit history, and lender requirements. Contact us for a personalised quote.
Your monthly repayment
$1,001.90
Based on $50,000.00 over 5 years
Weekly Payment
$231.21
Fortnightly Payment
$462.41
Monthly Payment
$1,001.90
What We Finance
From minor touch-ups to major transformations
Kitchen or bathroom renovations
Room additions or extensions
Landscaping and garden upgrades
New flooring, roofing, or paint
Modernise appliances or fixtures
Outdoor entertaining areas and decking
Energy-efficient upgrades and solar panels
New windows and doors
Garage conversions or additions
Air conditioning and heating systems
Plumbing and electrical upgrades
Fencing, driveways, and outdoor structures
AND MORE
If it improves your home — we can help make it happen.
Benefits & Features
Flexible terms, secured/unsecured options, 40+ lenders, fast approvals, finance from $5,000 to $200,000 (conditions apply), fixed and variable options.
$5,000 to $200,000
Finance from $5,000 to $200,000 (conditions apply)
Secured or Unsecured
Choose the option that works best for your situation
Fixed & Variable Rates
Select the rate structure that matches your preferences
Flexible Terms
Repayment periods designed around your lifestyle and budget
40+ Lenders
Access to a large panel of trusted lenders for the best fit
Fast Approvals
Quick decisions so you can move forward with confidence
Frequently Asked Questions
Hot-button questions about home improvement loans
Q:What's the minimum and maximum I can borrow?
You can borrow from $5,000 up to $200,000 (conditions apply). The amount depends on your income, expenses, and credit profile. We'll work with you to find the right loan size for your goals.
Q:Can I get finance if I've never had a loan before?
Yes! Being a first-time borrower is not a barrier. We'll guide you through the process and work with lenders who welcome new borrowers with the right financial profile.
Q:Can I get approved if I'm on a visa?
It depends on your visa type and residency status. Some lenders accept certain visa holders (conditions apply). Contact us to discuss your specific situation and we'll find the best path forward.
Q:How fast can I get pre-approved and access funds?
Pre-approval can often be provided within 24–48 hours. Once approved, funds are typically available within 1–3 business days, depending on the lender and your circumstances.
Other Personal Loans We Offer
Like a shop has other items in store
Personal Loans
Flexible loans for whatever life throws your way — your plan, your choice.
Explore your optionsCaravan Loans
Hit the road with confidence — finance your caravan and start creating memories.
Explore your optionsBoat Loans
Get out on the water sooner — easy access to finance for your boat.
Explore your optionsGreen Loans
Make eco-friendly upgrades — solar panels, energy-efficient appliances, or electric vehicles.
Explore your optionsMedical / Dental / Cosmetic
Spread the cost of treatments or procedures with flexible repayment options.
Explore your optionsVehicle Repairs
Finance urgent or planned vehicle maintenance with ease.
Explore your optionsGap Loans
Cover shortfalls for vehicle or personal asset finance.
Explore your optionsFuneral Loans
Access fast, dignified finance for funeral or memorial expenses.
Explore your optionsEducation Loans
Invest in your learning or your child's education, with flexible repayment.
Explore your optionsHolidays / Travel
Fund your dream trip and spread the cost over manageable payments.
Explore your optionsWeddings
Finance the big day — venue, catering, dress, and everything in between.
Explore your optionsPool & Spa
Create your backyard sanctuary with finance for pools, spas, or landscaping.
Explore your optionsShares / Investments
Access funds to invest in shares, managed funds, or other financial assets.
Explore your optionsMulti-Purpose Loans
Flexible finance for any purpose — consolidate, invest, or fund what matters most.
Explore your optionsGarages & Sheds Loans
Finance your garage, shed, or workshop build without the financial stress.
Explore your optionsDebt Consolidation
Combine multiple debts into one easy repayment and take back control of your finances.
Explore your optionsLet's Make It Happen
Build the Home
You've Always Wanted
Your dream home is within reach. Let us help you finance the renovations and upgrades that will transform your space into something truly special.
Get Started