Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Conservatory Finance

Apply for up to £5,000 over a period of 1 to 60 months.

Representative Example: If you borrow £500 over 6 months at a rate of 25.5% per annum (variable) with a representative 46.19% APR you will make 6 monthly payments of £92.96, repaying £557.76 in total.

Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk/en.

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Understanding Conservatory Finance

What Is Conservatory Finance?

If you’re considering building or renovating a conservatory, but you haven’t currently got the funds to finance the project, then you may wish to take out finance, which is where Flexy Finance can help. With our conservatory finance, you’ll be able to fund every little detail, from windows, doors and blinds to new furniture; we may be able to help. We offer personal loans of £100 to £5,000 for flexible terms of 1 to 60 months; credit is subject to status.

what is conservatory finance

What Can I Use the Loan for?

You can use this type of credit to fund different aspects of your new or renovated conservatory. Whether you’re looking to borrow money in order to replace double glazing panels, kit out your extension with new furniture or perhaps you wish to build a conservatory from scratch, we’re more than happy to find you fantstic deals deals for your requirements.

How does Finance for a Conservatory Work?

If this is your first type applying for credit in the UK, then you might be unsure about how the application process works. Our online application forms are quick and easy and have been tailored to make the application process as straightforward and comfortable as possible for you. Here’s a quick rundown of how the process works for when you come to apply.

applying for conservatory finance

The loan amount and repayment period

As a credit broker, we understand that everybody has different lending purposes and requirements which is why we offer loan applications of up to £5,000 and allow our customers to repay their loan over 1-60 months to accommodate those needs.

All you need to do is work out how much you require for the work that needs to be carried out and the period over which you would like to borrow, ensuring that you can easily afford to make the repayments alongside your other monthly expenses.
If you are unsure about the repayments you can and cannot afford, check your repayment affordability using a loan calculator.

Fill in your details

After you have worked out both what you need and can afford to pay, your next step is to fill out our online application form with your details so that the lender can make an assessment and identify you based on the details you supply; these will include:

  • Your full name
  • Loan amount
  • Loan term
  • Reason for taking out finance
  • Date of birth
  • Email address
  • Contact number
  • Marital status
  • Number of dependents
  • Employment details

Before you submit your application, ensure that all of the information you have provided on your form is correct, as mistakes and typos on applications are one of the most common reasons why applicants can have their credit applications rejected.

Receive your instant decision

As soon as you submit your request, we’ll be able to tell you within just minutes, whether your application was successful. We’ll then run your application by our panel of lenders to match you with a lender who can fulfil your requirements.

Receive your loan

Once you have been matched with a lender, you will then receive an offer for credit and discuss the terms and conditions of this offer with your lender. It is essential that you thoroughly read through these terms and conditions which will detail the following:

  • Loan amount
  • Repayment terms
  • Interest and APR
  • Additional fees and charges

After you have signed your loan agreement, you will have the loan deposited into your bank account within 24 hours of your credit being approved, terms and conditions apply.

What does representative APR mean?

APR stands for ‘annual percentage rate’. Representative APR is the total cost of borrowing money over a year, which includes the interest and standard fees you will have to pay.

It is ‘representative’ as 51% of applicants will receive the same rate of interest, or lower, that is advertised by the lender. Therefore, it is not guaranteed that customers will receive the same APR that is advertised.

Instead, a customer will likely be offered a personal rate on a loan, which can be lower, higher, or the same as the advertised APR. Personal rates are generally influenced by factors such as credit score, personal finances and how much you want to borrow.

With the lenders we work with at Flexy Finance, the representative APR that we advertise is 46.19% APR.

Representative Example

Representative Example
Annual Interest Rate 150% pa (Fixed)
Total Amount of Credit £850
Loan Duration 11 Months
Total Amount Repayable £1,609,25
Total Charge of Credit £759.25
Monthly Repayment Amount £146.30

Should I borrow money if I’m already in longstanding debt?

It is not advisable that you borrow money to cover long standing debts. Borrowing money to cover long standing debts or borrowing more than you can afford, can lead to financial difficulties.

If you are having problems with debt you can contact the following organisations who are able to provide free advice to people struggling with debt:

How to Fund your New Conservatory

The harsh reality is that improvements to your home, whatever they may be, don’t come cheap and building a conservatory is no exception. However, this shouldn’t stop you from going ahead and making plans for your new extension; instead, it can be helpful to look at your different finance options for obtaining the funds. We’ve compiled a list of some of the smartest options for you.

how to fund your new conservatory

Put away your savings

Saving up is probably one of the first things you should consider doing when you decide to start any type of home renovation project. While you may not be able to save up the entire amount required for the work, you should be able to save up enough for a deposit, or a good portion of the work.

However, saving can be difficult. Start by creating a budget and reducing your unnecessary purchases and outgoings each month. The money left over should go into your savings account or ISA to finance any work you wish to be carried out on your home.

It may also be worth checking out some more underrated ways to save money so that you can boost your savings even more.

Home improvement loans

One of the more popular conservatory financing methods is home improvement loans. These loans are not only both affordable and flexible but also can be a super quick, stress-free and practical solution for anyone who is looking for a buy now, pay later option to undertake work on their home.

Conservatory on finance deals

With home projects becoming increasingly popular, several finance providers have begun to offer their customers direct financing, often referred to as ‘conservatory on finance’. These loans function similarly to how personal loans do, except in some cases they require that you provide a deposit.

Credit cards

Applying for a 0% interest card is another popular way of financing smaller editions to your existing conservatory. What this means is that you can pay for any work or furniture that needs to be carried out on your credit card, while not having to pay any interest for a specific time. However, these cards offers are usually only for a short amount of time, so to ensure that you don’t have to pay crippling amounts of interest, you should repay the balance before the period ends.

The Benefits of Conservatory Finance with Flexy

Loans can be beneficial to different people in different circumstances, and we want to help our customers to achieve whatever it is they want to do, which is why we offer loan applications for a range of different purposes. Our home improvement loans were designed to give you the financial freedom to carry out any work on your home without too many limitations.

Why should I choose Flexy Finance?

  • No-fuss and no fees
  • Flexible repayment terms of 1-60 months (1 to 2 years)
  • No paperwork involved
  • 5-star customer service team who are dedicated to assisting your needs
  • A secure application process with 256-bit encryption
  • Financial Conduct Authority (FCA) approved
  • Instant decisions on loan applications
  • Loans for all purposes and circumstances


What is conservatory finance?

Conservatory finance is a specialised personal loan which can be used to help afford the cost of purchasing and building a conservatory. Conservatory finance usually comes in the form of an unsecured loan, but can be secured to an asset such as a house.

How can I get conservatory finance?

You can apply for conservatory finance online by completing an application form. The form requires basic personal and financial information to ensure you’re eligible for a loan. Contact details are also required so that a broker can discuss the terms of the loan and your loan application.

Why choose Flexy Finance for conservatory finance?

Flexy Finance understands that a conservatory can help grant you the extra space your house needs. That’s why we ensure that the lenders we work with are able to offer conservatory finance to suit your needs. Our application process comes with no fees and can be completed in minutes.

How to Find Conservatory Finance in Three Steps

Time Needed : 5 minutes
Check these steps to find out how easy it is to apply for a loan at Flexy Finance!
  • 1. Submit An Online Application Form​ for Conservatory Finance

    Applying through Flexy Finance is always quick and easy. Simply complete our 1-2 page application form. You can apply on the go, or from the comfort of your own home. Better still, there are no calls or paperwork involved!

  • 2. We search a large panel of UK lenders

    We search a large panel of UK lenders in real time, so that we can deliver you an instant decision. Within seconds of applying you'll know if a lender has accepted you or not. Unlike banks, our lenders are able to issue loans to people from all different walks of life and accomodate a range of different credit scores. There's an option for everyone!

  • 3. Access The Cash

    The majority of lenders are able to deposit the cash direct to your account, within just 24 hours! We'll never charge you any fees and there is no paperwork to complete. There you have it, apply for up to £5,000 in the quickest and simplest way possible today

  • 1. Mobile, Laptop or Tablet.

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