From ideas to reality, fastFrom ideas to reality, fast

Renovation loan

From ideas to reality, fast
5000
36
months
Monthly payment
100
This is an approximate monthly payment and may differ from your offer.
Apply

Limited Offer! No signing fee.

Apply now!

Limited Offer! No signing fee.

Fast application
It takes just a minute to apply, get a reply in real-time
Affordable interest
Loans starting from 9.9% depending on your credit capacity
No down payment
Get your money without paying anything upfront
Reduce payments
Convert your loan to credit line for smaller payments

It's easy as 1, 2, 3

1
Apply
Choose a loan, then fill in your contact info and some financial details. It takes just a minute.
2
Receive offer
We’ll review your application in real time and send you a personalized offer.
3
Receive money
Sign the contract and receive the funds straight to your bank account.

Fix it up now, pay over time.

From small upgrades to big overhauls. Clear terms, flexible options.
Apply
ESTO loans for repairs are suitable for both new housing construction and renovation.

A consumer loan for repairs is money that you can borrow to cover the costs of home repairs. An ESTO loan for home repairs guarantees flexibility and a quick solution tailored to your budget.

Choose the amount, set your schedule, and get the funds straight to your account. Application takes just a minute, and you’ll get a decision right away.


No paperwork. No waiting.

Nearly 1 million

people use ESTO

Get your account now
About ESTO loans

Frequent questions

Why is a loan for renovation from ESTO the ideal choice?
Our consumer credit is an unsecured online loan that you can use for various everyday or unexpected expenses. Use the money you receive to renovate your home, buy a car, plan a trip, or for other needs. The loan is repaid in fixed monthly payments according to the payment schedule.
What consumer loans are available at ESTO?
The main criteria you must meet before signing a loan agreement with ESTO are having a regular source of income in Lithuania, no outstanding debts, and meeting your financial obligations. If your income from individual activities is regular and you have no serious debts, theoretically this should be possible. However, in case of such and similar uncertainties, it would be best to consult with an ESTO consultant.
I am interested in a loan for home renovation. Where can I submit my application?
You don't need to go anywhere or drive anywhere – you can submit your application right here, online. The process won't take long, and you won't have to wait long for a response. Select the loan amount and term, and provide some personal and financial information.
How much of a loan can I get for renovations?
When you apply for a home renovation loan, you will see a calculator next to it. This calculator will help you figure out what kind of loan you can expect for renovating or furnishing your home. After evaluating your application and whether you meet our renovation loan conditions, you will receive an offer for the maximum possible amount. As with any ESTO loan or credit line, the amount granted will depend on your situation.
When will I receive the repair loan amount?
The transfer of the loan amount should not take longer than a few business days.
What is the repayment term for a consumer loan for repairs?
Your repayment term, monthly payment, and other terms and conditions will be presented to you at the time of signing the agreement.
Will there be a contract signing fee?
If you are interested in the contract fee, loan terms such as monthly payments or information about other additional fees, all exact costs and fees are specified in the payment schedule. Additional information can be found in the consumer credit calculator. Don't worry – the most important information about taking out a loan for home repairs is provided before you sign the contract.
What is the annual interest rate?
The interest rate on the home renovation loan is fixed for one year. More information will be provided before signing the contract.

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Renewing limit
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How monthly payment is calculated
Loan amount
500 €
Period
12 months
Contract signing fee
0 €
Monthly management fee
2.90 €
Interest
7.90 %
Annual interest rate (APR)*
22.20 %
Total amount payable
556.44 €
Monthly payment
46.37 €
* APR (Annual Percentage Rate) is the percentage of the total cost of the loan, including loan interest, contract fee and other costs payable for granting the loan.