Boiler Repair Loans

Boiler on the blink?

You’ve got finance options to get it sorted.

Compare with Choose Wisely and get back to normality.




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Representative 770% APR. Representative Example: If you borrow £550 over 18 months at a Representative rate of 770% APR and an annual interest rate of 180% (fixed), you would pay 18 monthly instalments of £113.06. The total charge for credit will be £1,485.08 and the total amount payable will be £2,035.08.

Boiler Repair Loans

Can I get a loan to repair my boiler?

When applying for a loan you may be asked the purpose of the loan but you’ll very rarely be asked about the specifics. You can use a personal loan for your boiler repairs but this could be expensive, especially if you have bad credit. Make sure you consider all your options before you apply.

How can I fund a boiler repair?

It’s a nightmare sourcing the cash to repair such an important part of your household like a boiler but you’ve got choices:

Loan: Emergency or quick loans are available and if approved, the cash could hit your account within a few hours, depending on your personal circumstances. Even without a perfect credit score, there are still loans available. Be aware though, these are often very costly and it is not a decision to be taken lightly.

Credit Card: You may have a credit card with a big enough limit that’ll cover the cost of your boiler repairs but use with caution and be disciplined. Make sure you cover at least the minimum repayments each month.

Grants for New Boilers: Depending on your circumstances, you may be eligible for a new boiler through the government. You will need to be a homeowner or private tenant with a boiler that is over five years old. Also, you will need to be receiving at least one of the following benefits: universal credit, working tax credit, income support, child tax credit or pension credit.

You can find out if you’re eligible using the government energy grant calculator.

Family and Friends: A boiler is hugely important for your daily living, so family and friends might be able to help you out - you won’t know until you ask. It can be a difficult topic to bring up but it’s usually the cheapest way to borrow.

Where to get debt help

A lack of funds and facing the uncertainty of having no hot water in your home can make you feel helpless. The UK has multiple debt help, non-profit companies who are there to help you out when you’re facing financial difficulty:

Final Word

A packed up boiler is never ideal and just the thought of a cold shower can make you cringe. Don’t panic. You’ve still got options and normality can be restored to your home within just a few days. However, as always, if you go down the route of borrowing make sure you’re aware of the risks and you can comfortably afford the repayments before you apply.

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