Home improvement 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

Home improvement loan – upgrade your home!
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
Period
Credit amount
Period
Preliminary average monthly payment
111 €
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 €
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 €
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 €
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

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

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.
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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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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