Renovation, improvement, energy savings: the Financea home improvement loan finances your entire project, including materials and labor, with a fixed monthly payment and a pre-determined rate.
Kitchen, bathroom, roofing, insulation, or extension.
You finance the entire project without being limited to a single invoice.
Funds are deposited into your account, and you pay your contractors at your own pace.
A renovation project rarely exceeds just the cost of materials. It also includes labor, equipment rental, debris removal, and often unforeseen work discovered during the project. The Financea home improvement loan finances the overall budget for your project, preventing you from having to request a second loan halfway through.
Energy renovation currently represents a significant portion of financed projects. It improves home comfort and sustainably reduces bills, while increasing property value. These works are financed exactly like others, with a fixed monthly payment.
Tied credit is backed by a signed quote from a specific professional: funds are paid directly to the company, and the financed asset is secured. The untied home improvement loan allows you to manage the project with the contractors of your choice, including several trades. It is more flexible but does not benefit from the protective mechanism specific to tied credit in the event of a dispute with the seller.
Renovation projects frequently exceed the initial budget. Planning for a 10 to 15% margin on the estimated amount allows you to absorb unforeseen costs without weakening your financing plan or delaying the end of the project. Always request several quotes: comparing them often lowers the bill.
To review your application, we need your ID, proof of address, and proof of income. If your project is already costed, a quote helps us calibrate the amount as accurately as possible. Funds are disbursed after final acceptance of your file.
| Project amount | Duration | Indicative monthly payment |
|---|---|---|
| 6,000 € | 36 months | ≈ 185 € |
| 10,000 € | 60 months | ≈ €200 |
| €18,000 | 84 months | ≈ €270 |
| €25,000 | 96 months | ≈ €335 |
Non-contractual examples, excluding insurance, for indicative purposes based on a fixed rate of 5.90%.
How it works
Estimate your monthly payment in a few seconds with our simulator, obligation-free and without registration.
Enter your situation and contact details in a secure, entirely online form.
Upload your supporting documents from your personal space: ID, proof of address, and proof of income.
An advisor reviews your file, informs you of the decision, and you sign your contract electronically.
Rates, total cost, and monthly payments clearly stated before any commitment, with no hidden fees.
A single point of contact follows you from the simulation until the repayment of the very last euro.
Application, document submission, and electronic signature from your customer space.
Frequently asked questions
No. An unallocated home improvement loan does not require one, but a quote helps us tailor the amount as closely as possible to your project.
A loan is binding and must be repaid. Check your repayment capacity before committing. No payment of any kind may be required from an individual before obtaining one or more loans.