Home Improvement Loans For Double Glazing

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Home improvement loan application and cash

The initial cost of replacing double-glazed windows can sometimes put customers off from purchasing new windows & doors.

Home improvement loans are a great way of replacing your windows & doors without the substantial upfront cost.

Many companies have in house finance options to help with the cost of replacing double glazing.

But could you get a better rate by shopping around for a home improvement loan?

In this guide, we will give you the pros and cons of using an in-house double glazing finance option vs getting a home improvement loan.

Double Glazing Finance Options Pros & Cons


  • In house finance options are simple to set up, most can be submitted right there in the house when you place your order.
  • Section 75 of the consumer credit act, by purchasing your new windows using an in-house double glazing finance option you get an extra layer of protection. If there was to be a problem with your windows and the company went bust, the finance company would be jointly liable with the installation company. This protection is sometimes called double indemnity.
  • When purchasing double glazing with finance, you must first sign a satisfaction note before the company can receive their money from the finance company.
  • Double Glazing companies that have finance facilities have to go through a stringent screening process by the FCA (financial conduct authority) before they can offer finance.


  • Finance options usually come with a higher rate of interest than a home improvement loan.
  • There can sometimes be penalties for early repayment.
  • You may have to pay a service charge or arrangement fee.
  • You don’t have the option to shop around for better rates of interest.

In the double glazing industry, the interest rates vary from 7.9% APR to 12.9% APR although there are some companies out there offering lower and higher rates of interest.

Make sure you look carefully at the interest rates and any arrangement fees before signing up for any finance contracts.

You may also want to check that the company you are purchasing with is FCA accredited and is legally able to offer you the finance.

Home Improvement loan 


  • Much lower rates of interest are available with a home improvement loan.
  • You can shop around to find the best interest rates.
  • You will have lower monthly repayments with lower interest rates.


  • You won’t get the double indemnity protection provided by the finance company.
  • Home improvement loans can take longer to source than in-house finance.

Home improvement loans are a great way to pay for your new double glazing; interest rates can be as low as 2.9%.

Here is an example of a Sainsbury’s loan borrowing £7000

Representative Example 

Monthly repayment


Total repayable


Representative APR


Length of Loan

60 months

Loan amount


Annual interest rate (Fixed)


Compared to some of the double glazing finance options offered by double glazing installers, you could save over £2000 by opting for a home improvement loan.

Double  Glazing  Finance vs Home improvement Loan

Who are the top home improvement loan providers in the UK?

  • Sainsbury’s Loans
  • Tesco Loans
  • HSBC Loans
  • Natwest Loans
  • Halifax Loans
  • Hitachi Personal Finance
  • Nationwide Loans

So, in summary, double glazing finance is still a great way to purchase new windows and doors, but you could end up paying more back. If you use a double glazing company that includes an insurance-backed guarantee, you will not be getting much benefit from the double indemnity protection. 

Always take your time when considering purchases of double glazing there are many options available to you. As much as companies will want you to sign on the day and use in-house finance, you always have the opportunity to look at home improvement finance.

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