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I’ve been living in my home for some time now and I think it’s time to make some changes. I don’t use the garden often, so I was thinking of utilising the space by building a conservatory. My bank can only offer me a personal loan if it’s under £25k, but ideally I’d be looking for a £27,000 loan. My credit history really isn’t great though due to several default payments. These days, I’m in a good financial situation and am looking to rebuild my rating. Do you offer personal finance to poor credit holders?

Hi there, thanks for getting in touch!

As lovely as it is to have garden space, if you’re not using it, adding value to your house with a conservatory can be really worthwhile. This extra space in your home won’t require planning permission either (subject to the limits and conditions of permitted development).

Banks often limit their personal loans to a maximum of £25,000, making those more expensive home improvements hard to find in many cases. At Pegasus Personal Finance, we offer conservatory finance deals from £5,000 to £150,000, so we should certainly be able to help you get a £27,000 loan.

Better yet, our flexible terms mean we can tailor your repayment plan to suit your personal circumstances – so you’ll only repay what you’ve borrowed at a rate that you can afford. This means we can approve the majority of applicants – even high-risk borrowers, such as poor credit holders.

Take a look at our personal loan calculator to find out what you could afford to borrow. It’s time to start rebuilding that credit history, and you can call our team of expert advisors today on 0800 266 2882 for more information before you take the next step. Once you’re ready, apply for your loan and you could be accepted within the hour!

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