Renovation Loans up to $25,000!

  • Simple Online Application
  • Apply in minutes with a fast loan decision in 60 minutes1!
  • Get Your Best Loan Rate
  • Get the best personal loan rate we can give you3 - fast!
  • Loans Paid Out in 60 Seconds
  • Get your money sent straight after signing your loan contract2
Renovation Loans
Car Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Home Renovations with Noddle!

Keeping your home in good condition can get costly and that is where Noddle comes in. Sometimes there are structural issues or breakages, that just can't wait and Noddle could help in these situations too.

Our home renovation or home improvement loans run from $2,100 up to $25,000 and can be used for all kinds of projects such as listed below:

  • Kitchen Upgrades
  • New Bathrooms
  • Outdoor Decking
  • New BBQ Area
  • Flooring, Carpets & Curtains
  • Pool Installations
  • Gardens & Landscaping
  • Theatre Rooms
  • Driveways, Walls & Fencing
  • Granny Flats
  • White Goods & Electrical Upgrades
  • Painting & Decorating
  • Solar Power Installations
  • Window Shades, Blinds & Air Conditioning
  • Garage Conversions
  • Other Projects OK

The Home Renovation Loan Process

Fast Loan Application

Your application with Noddle should be fast and simple. We only ask for the most important details that we need in order to evaluate your application in an emergency. We start by getting the type of loan you want and how much you intend to borrow. Next we need your personal details plus your employment and any benefits you may be receiving, so we can accurately assess your income for your loan affordability. Next we need to know about your expenses, such as rent, mortgage, groceries, credit cards & loans, travel and utility bills. After that, we need to take a digital download of your bank statements, so we can review and confirm what you have already given us and to determine whether the loan is affordable for you.

This part of your application should be quick and easy to complete and most customers complete their application with us within 6 and 12 minutes.

Get Started

Fast Loan Decision

With Noddle, we don't hang around and in most cases we can give you a loan decision within 60 minutes1 of submitting your application with us.

Fast Pay Out

If after reviewing your application and we have given you a loan offer and you are happy with the rate and the terms, just sign the loan contract and we can pay your loan directly into your bank account within 60 seconds2!

What is a renovation loan?

A renovation loan can be used for repairs or improvements to your home, such as a kitchen refresh, new flooring, garage conversion or outdoor decking. Renovation loans with Noddle could be for small projects from $2,100 up to larger projects requiring up to $25,000

How can I get a loan to renovate my home?

Noddle provides access to a number of different loan products from good credit to not so good credit. However, if you require a home renovation loan, you must meet our basic criteria.

  • Over 18 years of age
  • An Australian Citizen or Permanent Resident
  • Have a regular income
  • Use internet banking
  • Have a mobile phone and email address

What type of project qualifies for a renovation loan?

Any cost to repair or improve your home could be considered as qualifying for a home renovation loan. Small jobs, such as inistalling air conditioners around the home to larger jobs, such as pool installation or installing a new kitchen. With noddle, our renovation loans range from $2,100 up to $25,000.

How much could I borrow to renovate my home?

With noddle, our renovation loans range from $2,100 up to $25,000. However the amount you could borrow may depend on your financial situation and the length of the loan product offered.

Are home renovation loans secured against your home?

It may be possible to get a home renovation loan secured against your home, please check with your mortgage provider, however that is not required. Home renovation loans could also be offered and secured against your car or other asset or even unsecured.

With Noddle, securing your renovation loan is not required but could give you access to a better loan rate and a cheaper loan if that is how you would like to proceed.

Can a renovation loan be used to buy furniture for my home?

Removable assets, such as furniture are not generally considered as renovation loans. However Noddle personal loans can be used for this purpose.

Can a renovation loan be used to prepare my property for resale?

Yes, absolutely, that is a fairly common purpose when considering taking our a home renovation loan.

How can I qualify for the best renovation loan rate with Noddle?

This is done automatically within the Noddle application process. Just complete your application with us and if everything goes well, Noddle will provide you with a loan offer at the best rate3 it can with us, based on your individual financial situation. If Noddle can't help you directly, will can forward your application to a panel of lenders who may be able to assist you with a loan.

How long will my application take to complete?

The Noddle application process is easy to complete and should only take you between 6 and 12 minutes to complete, but this does depend on your typing speed.

How will my renovation loan be paid to me?

Your loan from Noddle will be paid directly into your bank account, within 60 seconds2 of signing your contract with us.

Will I need to provide quotes from architects, planners or builders?

Generally, no, however all lenders have a compliance requirement to confirm and verify the purpose of the loan, so in some cases we may ask for further confirmation.

So that you borrow the right amount and is fit for purpose, it may help to get quotes in advance of making your loan application.

What if I don't know how much exactly I need to borrow?

When renovating your home, costs often exceed quotes, so you will need to consider this when making your application. It may make sense to ensure all your costs are covered and a bit more, rather than applying later for a second home renovation loan.

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

60 Minute Loan Decisions

1 60 Minute Loan Decisioning and Approvals are an average, to be used as a guide for a typical customer and are not guaranteed. 60 Minute Loan Decisioning and Approvals are not available when applicants apply outside of our normal business hours of 8am till 4pm Monday to Thursday, 8am till 12 noon on Fridays and Saturdays AEST or public holidays.

Loans Paid Out in 60 Seconds

2 It is possible to have your funds sent to your bank account in 60 seconds, if you have a New Payment Platform enalbled (NPP-enabled) bank account. A large number of Australian banks use NPP including ANZ, Bendingo Bank, Bankwest, Bank of Melbourne, Commonwealth Bank, Citigroup, HSBC, ING, NAB, St.George and more. Check whether your financial institution is NPP-enabled.

Best Loan Rate for You

3 Noddle does not have one fixed loan rate which it uses for all customers and loan applications, but will offer tailored loan rates depending on your individual circumstances and financial profile, as reviewed, during your credit assessment. Noddle will work to offer our best loan rate we can give the customer. If we can't assist a customer at our best rate, we will review the application against the next tier and rate until we find a match for the customer. This allows us to say 'yes' and give more customers 'the nod' with Noddle.

If Noddle is unable to assist with a loan directly, we may refer the application to a third party panel of lenders to 'get the nod'.