A loan for renovating your home
Transform your home with a Bondora loan
Start your journey with a Bondora loan
Whether you dream of a new kitchen, expanding your living space, or building a summer terrace, our loans offer a seamless solution to pave the way to your home makeover.
It’s one of the most popular reasons why people take Bondora loans.
Best of all, your home improvements require no collateral!
Make your home work for you.
Ready, set, start!
Why choose a Bondora loan to renovate your home?
No collateral needed
Flexible repayment options
Start your renovation right away
You’ll get a response after we’ve reviewed your application
If approved, the funds are transferred to your bank account
Turn your renovation plans into reality
Thinking about giving your home, summer cottage, kitchen, or bathroom a fresh update? Renovating a space can make it more functional, comfortable, or better suited to your needs. Whether you’re planning long-awaited improvements or attending to unexpected repairs, it’s important to plan your project and financing carefully.
Renovation projects can take time and resources: from choosing materials to managing contractors. And while some costs can be anticipated, others may come up suddenly, like after water damage or structural issues. When these situations arise, a renovation loan can help cover the costs so you can keep your project moving.
Before applying, make sure to compare loan offers, understand the full cost of credit, and choose a repayment plan that fits your budget. A personal loan can be one way to finance your home improvements with more flexibility and control.
Finance big and small renovations with a renovation loan
A renovation loan is designed to help cover the costs of home improvement projects – whether you’re planning something small or more extensive. From walls and flooring to kitchens, bathrooms, and even cottages or gardens, renovation needs come in many forms. Whether it’s updating a summer house over time or handling necessary repairs in your main home, the costs can add up quickly.
Renovations often require more than just time and effort – they can also involve hiring professionals, purchasing materials, and arranging temporary accommodation if living in the home during the work isn’t possible. While some people save in advance, many projects require additional financing to cover the full cost.
A personal loan can help finance renovation expenses when savings aren’t enough. Costs may change along the way, so flexibility can be important. In some cases, a flexible credit line may suit your needs better than a one-time loan, especially if you want to draw funds gradually as the work progresses.
Unsecured loans can also be used to finance home improvements – whether you’re repainting a few rooms or managing larger repairs. If you’re considering your options, take time to compare interest rates, check for any additional fees, and choose a repayment plan that fits your budget.
Also worth noting: in many cases, home repairs and improvement work may be eligible for tax deductions. You can usually deduct the cost of renovation labor up to a certain amount, regardless of how the project was financed.
Bondora renovation loans with clear terms and no collateral
You can use a Bondora loan to finance many types of expenses: including home renovations and repair projects. Whether you’re planning updates, maintenance, or larger improvements, a personal loan gives you the freedom to cover your renovation costs in a way that suits your situation.
Our loans are unsecured, so you don’t need to provide collateral. If you meet a few basic requirements: being over 21, having regular income, a Finnish bank account, and no payment defaults, you can apply directly online.
We offer clear loan terms with no hidden fees. And with our loan calculator, you can explore how much you might borrow and what your monthly payments could look like, based on your preferred repayment schedule. Loan terms range from 12 to 120 months.
If your renovation is already in progress, you can still apply for additional funds, even from your phone during a coffee break. There’s no need to visit a bank branch or explain the details of your project.
At Bondora, we focus on making the process straightforward and transparent, so you can stay focused on your renovation.
Your questions, answered
You can view all our transparent fees on this page. If you take a loan with us, you will see a clear description of your fees before signing the contract.
Simply add the money required for your monthly payment to your Bondora account before the payment due date.
You can make ad hoc payments from your internet bank, or set up a standing payment order.
Yes, and there are no extra costs for early repayment. You can do partial or full early repayments of your loan.
You can get a small personal loan ranging from €100 – €20000. However, because the loan amount is calculated based on your unique financial situation, please submit an application to see exactly what amount you could qualify for. Tip: Getting an offer doesn’t mean you have to take the loan.
Founded in 2008, Bondora Group has grown into an international company of about 200 employees. Today, we can proudly call ourselves one of Europe’s most established fintechs specializing in loan and investment products.
For more than 17 years, our customers have chosen us as their trusted loan partner across various EU countries.
Customers’ information is kept private and confidential on secure servers. We have a host of safety measures that comply with legal requirements and help safeguard our customers’ information, such as AML & KYC processes, consumer protection, data protection, and online verification.
Our lending activities comply with local legislation, good practice, and responsible lending principles.
Bondora AS, which belongs to Bondora Group, operates as a Licensed Credit Provider and is supervised by the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a branch that the Finnish Financial Supervisory Authority supervises. We also have an operating license in Latvia, supervised by Consumer Rights Protection Centre (Patērētāju tiesību aizsardzības centrs).
