Renovation loan

From ideas to reality, fast

5000

€

months

Monthly payment

100

€

This is an approximate monthly payment and may differ from your offer.

Click to see example calculation

Apply

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

Apply

Choose a loan, then fill in your contact info and some financial details. It takes just a minute.

Receive offer

We’ll review your application in real time and send you a personalized offer.

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’s loans are perfect for the things you don’t plan for, or don’t want to wait for.

A consumer loan is money you can borrow to cover the things life throws at you. Whether it’s for a new sofa, dental treatment, or your next vacation, ESTO loans are flexible, fast, and designed to fit your budget.

Apply now

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.

Apply now

Nearly 1 million

people use ESTO

Get your account now

About ESTO loans

Frequent questions

ESTO loan for home renovation: why is it worth it?

Our consumer credit for renovations is an unsecured online loan that you can use to cover all your apartment renovation costs. The ESTO website offers several types of loans: you can also take out a small loan for necessary renovation purchases, including household appliances. This home renovation loan offers more flexible terms and conditions, allowing you to focus all your attention on the renovation without any additional stress.
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Interested? You can find the exact terms and conditions on the ESTO website.

ESTO loan for home renovation: why is it worth it?

I want a loan for repairs. How do I apply for it?

You can do everything on the ESTO website! Select the amount and term, then submit your personal and financial information. Your application will be processed immediately. Applying takes only a minute, but processing can take as little as a few minutes!

Will I be granted a loan for home repairs with a bad credit history?

Yes, your credit history is assessed before a renovation loan is granted. This step is necessary to assess potential risks. If your credit history shows late payments or other significant problems, unfortunately, your application for a repair loan may be rejected.

What should you know about the repayment term of a renovation loan?

We will send you one monthly invoice. It will indicate the payment deadline. You can also make your payment before this deadline by simply logging into your ESTO account.

How quickly will the loan amount be transferred?

Home repairs cannot wait, so the money will likely be transferred as quickly as possible. In any case, your loan for repairs will reach you within a few days.

How much can I borrow?

We will evaluate your application and offer you the maximum possible amount. Depending on the type of loan, the maximum amount can be up to EUR 15,000.

What is the annual percentage rate of consumer credit?

All exact costs and fees can be seen in the payment schedule, and additional information is provided by the consumer credit calculator. All this relevant information is provided before the contract is signed. The consumer credit interest rate is fixed for one year.
Depending on the type and amount of consumer credit, a monthly management fee may also apply. If you apply for an ESTO small loan, there is no contract fee.

How does consumer credit repayment work?

We will send you one monthly invoice for all ESTO contracts. The amount payable can also be transferred before the due date by logging into your ESTO account.

More ways to make it happen

Customer favorite

Credit line

Up to 10000 €

Renewing limit

No fixed period

Small Loan

Up to 10000 €

Up to 120 months

Fast loan

Up to 500 €

Up to 12 months

Vehicle loan

Up to 10000 €

Up to 120 months

Beauty loan

Up to 10000 €

Up to 120 months

Travel loan

Up to 10000 €

Up to 120 months

Health loan

Up to 10000 €

Up to 120 months

Personal

Credit Line Consumer loans Buy now, pay later Help Blog Terms & Conditions Lending license

Business

Payments Buy now, pay later Pricing For developers Help Contact Terms & Conditions

You are on the homepage of the credit organization ESTO LV AS, which offers financial services. Before signing the contract, carefully read the terms of the proposed contract and, if necessary, consult with an employee of ESTO LV AS or another specialist. By using the homepage, you signify your acceptance of the website's terms of use.

ESTO LV AS, reģ. nr. 40103050993, PVN nr. LV40103050993, Gustava Zemgala gatve 74, Rīga, Latvija, LV1039, [email protected]

Renovation loan

It's easy as 1, 2, 3

Nearly 1 million

people use ESTO

Frequent questions

ESTO loan for home renovation: why is it worth it?

Stay in the loop

More ways to make it happen

Credit line

Small Loan

Fast loan

Vehicle loan

Beauty loan

Travel loan

Health loan