Get Your Home Renovation Loan Today

Transform Your Home with Fast, Flexible Renovation Loans

Cash Direct Pty Ltd provides home renovation loans from $200 to $2,000 for Australian homeowners ready to upgrade their properties. We understand that your home deserves improvements, but traditional banks make the process painfully slow with endless paperwork and strict requirements.

Whether you're renovating your kitchen, adding a new bathroom, extending your living space, or making essential repairs, Cash Direct specializes in fast home improvement loans that focus on getting you the funds you need—not putting you through months of red tape.

Our streamlined renovation loan process is designed for real Australian homeowners. Apply online in just 10 minutes from your phone, tablet, or computer, and receive approval within 24-48 hours. As one of Australia's most trusted lenders for home renovation finance, we help thousands transform their properties when they need it most.

Key Benefits:

What is a Home Renovation Loan?

A home renovation loan is a flexible financing option designed to help you fund home improvements without draining your savings or refinancing your entire mortgage. Australian homeowners use renovation loans to manage projects such as:
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- Kitchen and bathroom upgrades
- Home extensions and additional rooms
- Structural repairs and foundation work
- Roof replacements and weatherproofing
- Energy efficiency improvements and solar installation
- Landscaping and outdoor entertainment areas
- Accessibility modifications for aging in place
- Complete property makeovers

A renovation loan is typically repaid over 3 months to 12 months, depending on the loan amount and your budget. Repayments can be structured weekly, fortnightly, or monthly—making it easier to manage alongside your regular expenses while you bring your dream home to life.
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To estimate your repayments and explore your options, use our Home Renovation Loan Calculator to find the right loan structure for your project.

Why Choose Cash Direct for Your Home Renovation Loan?

1. Fast Approval - Not Months of Waiting

Unlike traditional banks that take 4-6 weeks for home loan approvals, we deliver decisions in 24-48 hours. Our digital-first process eliminates bank queues and endless paperwork so your renovation can start quickly.
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What You Need:
✓ Valid Australian ID (driver's license or passport)
✓ Proof of income (payslips, tax returns, or bank statements)
✓ Property ownership verification
✓ Basic renovation plans or quotes
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If you apply before 3 PM on a business day, you could receive same-day conditional approval. Once approved, funds can be transferred within 1-3 business days—or in as little as 60 seconds using OSKO instant payments.

2. Flexible Loan Amounts for Any Project

Borrow between $200 to $2,000 based on your renovation scope, property equity, and repayment capacity. Whether you're updating a single room or completing a full home transformation, we scale financing to match your needs.
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‍Small Renovations ($200 - $800): Perfect for bathroom updates, kitchen appliance replacements, painting, flooring, or minor repairs.
‍Medium Projects ($800 - $1,4000): Ideal for complete kitchen or bathroom renovations, adding a deck, landscaping, or multiple room updates.
‍Major Transformations ($1,400 - $2,000): Great for home extensions, structural modifications, complete property makeovers, or multiple large-scale projects.

3. Transparent Fees - No Hidden Costs

We believe in upfront honesty about loan costs. You'll receive a complete breakdown before you sign anything:
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- Establishment fee: Disclosed upfront based on loan amount
- Monthly account fees: Fixed and capped
- Interest rate: Competitive rates starting from industry standards
- Early repayment: No penalties—pay off early and save on interest
- Late fees: Only apply if payments are missed
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Repay Early, Save Money: You can repay your renovation loan ahead of schedule without penalty, reducing your total interest and getting back to financial freedom faster.

4. Repayment Options That Match Your Income

We understand everyone's financial situation is different. Choose repayment schedules that align with how you get paid:
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- Weekly repayments: Perfect if you're paid weekly
- Fortnightly repayments: Ideal for most casual and full-time workers
- Monthly repayments: Great for salaried employees, retirees, or monthly income earners
- Loan Terms: 3 months to 12 months depending on amount borrowed and your preference.
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Longer terms mean smaller regular payments, while shorter terms save on total interest costs.

5. Direct Contractor Payments Available

Managing contractor payments is one of the most stressful parts of renovations. We can help by:
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✓ Paying contractors directly from your loan funds
✓ Releasing payments in stages tied to renovation milestones
✓ Ensuring your project stays on track with scheduled fund releases
✓ Providing peace of mind that contractors are paid on time
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This service is available across Australia, helping homeowners manage renovation budgets and contractor relationships more effectively.

6. We Welcome Self-Employed, Retirees, and Non-Traditional Borrowers

Traditional banks often reject applications from:
- Self-employed individuals with variable income
- Retirees on pension or superannuation income
- Investors renovating rental properties
- People with less-than-perfect credit history
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We're different. We assess applications holistically, considering your property equity, current income capacity, and overall financial position—not just credit scores and traditional employment.
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✓ Renovation loans for self-employed Australians
✓ Loans for retirees and pensioners with property equity
✓ Options for property investors upgrading rental assets
✓ Consideration for those rebuilding credit history

Hit a renovation roadblock?

Need funds to finish your renovation or handle unexpected costs?

This happens to almost every homeowner mid-project. Renovation costs escalate, hidden issues appear, or contractors need deposits. You may not have access to additional savings, family help isn't available, or traditional banks have already said no.
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At Cash Direct, We Help. For over 10 years, we've been offering fast renovation loans for homeowners with lower incomes, self-employed workers, retirees, and people managing unexpected project costs.

Our advice: Budget carefully with a 20% contingency for your renovation, but when unexpected costs arise—and they will—you can access additional funds from your Cash Direct loan account quickly. We're here when you need it. We Help!

A renovation loan from Cash Direct is perfect when you need flexibility. Whether you're covering initial deposits, managing progressive payments, or handling surprise costs, our loans are designed to keep your project moving forward without overwhelming your budget.

If you need more information about our loan options, explore our range of Personal Loans and Home Improvement Financing designed for various renovation scenarios.

Ready to Start Your Home Renovation?

Life's too short to live in a home that doesn't work for you. Whether you need $200 to renovate a bathroom or $2,000 for a complete transformation, Cash Direct is here to help with fast, flexible renovation loans for Australian homeowners.

Apply online now in just 10 minutes and get the renovation funding you need to transform your property today.