Make the place yours.
Renovation loan
Indicative. Apply for an accurate offer.
- Decision in real time Applying takes a minute — the answer comes right away.
- Interest from 4.9 % Your rate depends on your credit capacity — see it before you sign.
- No down payment Get the money without paying anything upfront.
- Smaller payments? Convert. Turn your loan into a credit line and pay less per month.
How it works.
For home renovation and remodelling. Terms tailored to bigger projects, paid down over years not months.
- 1 Pick an amount and period Set the amount and period — the calculator shows the monthly payment live.
- 2 Finish the application Add your personal and financial details. No paperwork.
- 3 Get a decision and sign A credit decision can take as little as 30 seconds. Sign the contract digitally and you’re set.
- 4 Money on your account One transfer straight to your bank account — usually the same business day.
How fast do I get the money?
The application takes about two minutes with Smart-ID or Mobile-ID, the decision is automated, and after signing the money is usually on your account the same business day.
Do I need to say what the loan is for?
No. Our loans are freely usable — we don’t ask for receipts or proof of purpose. Pick the amount and period, and the money is yours to direct.
How much can I get?
The renovation loan goes up to 10 000 €, repaid over 6–72 months. We review your application and offer the highest amount your finances comfortably allow.
What if I want to repay early?
You can repay part or all of the loan at any time without a penalty. Interest stops on the repaid amount immediately.
What affects my personal rate?
Your credit profile — income, existing obligations and payment history. The calculator shows a representative example; your personal offer is confirmed after the automated check.
Get the best offers before everyone else
- Campaign offers
- Exclusive merchant deals
- Product launches & updates
- Giveaways & social highlights
By subscribing you agree to our privacy policy and consent to receive updates from ESTO.
Nearly 1 million people use ESTO