Instant Loans for Home Improvement

By: John Garcia | Date Posted: December 15, 2021

We often hesitate to invest in home improvement due to financial constraints. However, certain issues demand immediate attention, such as water leakage in your home. Waiting until you have enough savings for repairs may not be feasible. That’s where “Instant Loans for Home Improvement” come into play. Instead of relying on friends or family, consider applying for instant loans online to access funds promptly. With instant loans, you can address urgent repairs and ensure the long-term well-being of your home.

Common Home Improvement Projects

If there’s a fridge that you always wanted or improved your HVAC system, an instant loan can help you with that. You can even use it for small DIY projects. But preferably, they’re used for emergencies. If you have any house emergencies, an instant loan is perfect. Unlike bank loans, you don’t have to worry about waiting for many days before getting the money.

Roof Leak Repairs

Roof leaks are quite common, and you need to hire a professional technician to repair the leaks. But roof repairs aren’t cheap. Roof leak repairs can cost anywhere between $3000 to $7000. Because of their high cost, many people consider opting for DIY projects. But a sloppy job can end up costing you more. It’s better to hire a contractor for it.

HVAC Repairs

Home improvement also includes HVAC repairs. Without a properly functioning HVAC system, your home’s comfort is disturbed. You’ll feel hot in summers and cold in winters. It’s important to get your HVAC system repaired as soon as possible. On average, HVAC repairs cost $80 to $140 per hour. But when there’s a lot of work to do, they can be costly.


A great way to improve your home is by painting it. A fresh coat of paint can completely change the entire look of your house, and that’s why most people consider it as an option when they want to enhance the appearance of their homes. Painting is relatively cheap, and you can even complete it in a DIY project.

Kitchen Refacing

Kitchens are a major part of your house and are often the first thing that is considered when thinking of home improvement projects. Refacing a kitchen can cost anywhere between $6000 t0 $39000. It’s a fairly expensive process that requires quite a big budget.

Most home improvement projects are costly, so applying for an instant loan can help.

What are Instant Loans?

Instant loans are short-term loans that you can borrow till your next payday. They’re ideal for emergencies when you’re running short on cash and have bills to pay for repairs or utilities. You can easily purchase household items to improve your home’s quality with instant loans. Generally, you can apply for $2000 to $5000 at once.

How Can I Apply for an Instant Loan?

How Can I Apply for an Instant Loan

The application process for instant loans is hassle-free. Moreover, you can get a loan with instant approval. All you have to do is fill out an application form from any reputable loan company for applying online. After submitting your application, you’ll have to wait till your loan gets approved. This usually happens within a day. So, on the next working day or the same day, you’ll have the money transferred into your bank account.

Who Can Qualify for Instant Loans?

The great thing about instant loans is that anyone can apply for them. You need to be an Australian citizen over the age of 18. And you need to have a regular income. You’ll have to provide proof of your income at the time of application.

What are My Repayment Options?

Of course, when you borrow loans, you have to consider your repayment options as well. Usually, instant loans are supposed to be returned within 1 to 3 months. But you have to pay interest with it as well. The repayment time can vary from lender to lender. Some lenders have strict deadlines, while others are a bit laxer. You’ll be informed of everything before your loan amount is transferred so that there aren’t any surprises your way when you finally get your loan.

The Bottom Line

To sum up, home improvement projects are expensive, especially regarding roof and HVAC repairs. Kitchen refacing is also a costly process. On the other hand, painting is one of the low-end home improvement processes. Instant loans can help with these processes.

The good thing is that these loans are easily available, are safe, and almost anyone can apply. They’re a great option to consider when running low on cash.


Is it possible to get an Instant loan without proof of income?

Instant loans cannot be obtained without proof of income. In order to prove your income, you will have to provide bank statements. One of the most important factors in obtaining a loan from a financial institution is your credit score.

If you are unemployed, can you get a loan?

When you’re unemployed, you may be able to qualify for a loan, but you’ll need good credit and another source of income. You can get a loan regardless of whether you are unemployed by surprise or by choice (such as when you retire) as long as you can convince lenders that you will be able to make regular payments on time.

With no credit or job, can I get a loan?

If you have an alternate source of income, collateral, or a person to co-sign with you, you can get a loan without a job. Having no job won’t bar you from getting a loan, but lenders will need to see evidence that you will be able to repay it somehow.

Thank you for reading!


John is the founder and chief editor of Homienjoy. With over 15 years of experience in the home improvement industry, John is passionate about helping homeowners confidently tackle their projects. Holding a civil engineering degree and working as a contractor, project manager, and consultant, John brings a wealth of knowledge and expertise to the Homienjoy community.

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