Taking out a loan for home improvements can often work out cheaper than signing up for the finance offered by the supplier of your windows. If you take out a loan you could save even more money by consolidating expensive existing debt such as credit cards and overdrafts

Secured Loan
A secured loan is secured on your home by the lender. By doing this, the lender is minimising the risk of losing any money and so can offer a secured loan at lower interest than an unsecured loan. A Secured Loan can often be easier to get as past credit problems such as mortgage or loan arrears or ccj's can often be discounted.

Unsecured loan
An unsecured loan costs more in repayments but does not carry the risks of a secured loan. If you don't repay it, the lender can't take your house off you, for this reason, it's often hard to get one if you've experienced past credit problems.

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