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Home improvement loan

Consumer loans for home improvement or furnishing
Home Private Loans Home improvement loan
  • Consumer loan
  • Home improvement loan
  • Car loan

Loans for home improvement or furnishing

Consumer loan for home improvement up to EUR 25 000 – no down payment, no home valuation and no mortgage required

Submit application Rates
Loan for home improvement and renovation

Home improvement loan – upgrade your home!

Urbo bank's home improvement loans will help you renovate your home. A home improvement loan can be granted for the refurbishing, repair or renovation of real estate registered in your name, such as an apartment or a house, as well as for furniture and home appliances. A home improvement loan is granted without a down payment, valuation or mortgage. The loan is paid by bank transfer to your bank account (which can be the account of any bank registered in Lithuania). Alternatively, the loan can be disbursed in cash if the amount does not exceed EUR 15 000. A fast loan will help you to successfully implement your plans in the shortest possible time.

Home improvement loan amount from EUR 5 000 to EUR 25 000

Loan for a period of up to 10 years

No down payment, no home valuation and no mortgage required

Loan up to EUR 15 000 can be disbursed in cash

Home improvement loan calculator

Credit amount

€
Min 5000 €
Max 15000 €

Period

month
Min 12 month
Max 120 month

Credit amount

€
Min 5000 €
Max 25000 €

Period

month
Min 12 month
Max 120 month

Preliminary average monthly payment

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge (APRC) for consumer credit: If EUR 10,000.00 is borrowed, where the period of the loan agreement is 60 months, annual interest rate is 9.90%, agreement fee is 0.00% of the loan amount, i.e., EUR 0.00, agreement administration fee is 0.00% of the original loan amount, i.e., EUR 211.98 per month, the total amount payable by the borrower will be EUR 12,718.80, APRC will be 10.36%.

The APRC and the total amount payable by the consumer borrower will be calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the contractual terms, interest and charges remain unchanged throughout the duration of the loan period, and that the terms and conditions of the agreement are fulfilled on time.

Annual interest rate from 9.00% to 20%. Repayment term ranges from 12 to 120 months, depending on the purpose of the consumer loan. This calculator is for information only.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.


Preliminary average monthly payment

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge (APRC) for consumer credit: If EUR 10,000.00 is borrowed, where the period of the loan agreement is 60 months, annual interest rate is 9.90%, agreement fee is 0.00% of the loan amount, i.e., EUR 0.00, agreement administration fee is 0.00% of the original loan amount, i.e., EUR 211.98 per month, the total amount payable by the borrower will be EUR 12,718.80, APRC will be 10.36%.

The APRC and the total amount payable by the consumer borrower will be calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the contractual terms, interest and charges remain unchanged throughout the duration of the loan period, and that the terms and conditions of the agreement are fulfilled on time.

Annual interest rate from 9.00% to 20%. Repayment term ranges from 12 to 120 months, depending on the purpose of the consumer loan. This calculator is for information only.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

month
Min 12 month
Max 120 month
€
€
month
Min 12 month
Max 120 month
€
€

Preliminari didžiausia galima paskolos suma

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge (APRC) for consumer credit: If EUR 10,000.00 is borrowed, where the period of the loan agreement is 60 months, annual interest rate is 9.90%, agreement fee is 0.00% of the loan amount, i.e., EUR 0.00, agreement administration fee is 0.00% of the original loan amount, i.e., EUR 211.98 per month, the total amount payable by the borrower will be EUR 12,718.80, APRC will be 10.36%.

The APRC and the total amount payable by the consumer borrower will be calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the contractual terms, interest and charges remain unchanged throughout the duration of the loan period, and that the terms and conditions of the agreement are fulfilled on time. Annual interest rate from 9.00% to 20%. Repayment term ranges from 12 to 120 months, depending on the purpose of the consumer loan. This calculator is for information only.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

Preliminari didžiausia galima paskolos suma

111 €

Submit an aplication

Example of how to calculate the annual percentage rate of charge (APRC) for consumer credit: If EUR 10,000.00 is borrowed, where the period of the loan agreement is 60 months, annual interest rate is 9.90%, agreement fee is 0.00% of the loan amount, i.e., EUR 0.00, agreement administration fee is 0.00% of the original loan amount, i.e., EUR 211.98 per month, the total amount payable by the borrower will be EUR 12,718.80, APRC will be 10.36%.

The APRC and the total amount payable by the consumer borrower will be calculated based on the assumptions that the loan is disbursed on the date of signature of the agreement and that the contractual terms, interest and charges remain unchanged throughout the duration of the loan period, and that the terms and conditions of the agreement are fulfilled on time. Annual interest rate from 9.00% to 20%. Repayment term ranges from 12 to 120 months, depending on the purpose of the consumer loan. This calculator is for information only.

The result of the calculator is approximate. To receive a personalised offer, please fill in the loan application.

Home improvement loan for your various needs

Home repairs
Get the necessary building materials, tools, or pay for professional services
Home renovation
Upgrade doors, windows, or fully modernize your heating system
Furniture and appliances
Refresh your home with stylish furniture and modern household technology
Elevate your living space
Upgrade your home with decor and other home interior details
Other loans associated with loan for home improvement

We will help you make your other plans a reality!

Consumer loan or car loan

  • Achieve your or your family's goals with an Urbo consumer loan up to EUR 20 000 and 7 years;
  • If you repair your car every month, maybe it is time to buy a new one? A car loan from Urbo bankas for up to EUR 20 000 and 7 years
Consumer loans
Image home-improvement-loan

If you are planning to buy a new home!

Apply for a new mortgage loan or refinancing now

  • Mortgage loan on particularly favourable terms;
  • The loan amount is up to 85% of the property value;
  • Possibility to refinance a mortgage loan currently held at another bank through a simplified procedure.
Mortgage loan

Frequently asked questions

Urbo Bank offers the following consumer loans:

  • Consumer loan;
  • Home improvement loan;
  • Car loan.
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Loans for consumption, home improvement or cars are available at Urbo Bank to:

  • Citizens of the Republic of Lithuania aged 21 and over with a stable income (at least 6 months);
  • Individuals whose monthly financial obligations do not exceed 40% of their fixed income.
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The loan will be credited to your bank account on the next working day at the latest.

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Consumer and car loans have a maximum repayment term of up to 7 years, while home improvement loans have a maximum term of up to 10 years. The loan is repaid in monthly instalments.

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If you have a bank account with Urbo Bank, make sure that your bank account has a sufficient balance to cover the payment on the due date.

If you do not have a bank account with Urbo Bank, you can make a payment transfer from your bank account to the loan servicing account, the number of which can be found in the special section of the credit agreement or by logging in to your Urbo Bank online banking personal account.

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