24h Renovation Loan

If you would like to renovate your bathrooms, refurbish your living room, or update your kitchen appliances, we can help you.

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Features of the 24h Renovation Loan

Under what conditions?

You can request between €6,000 and €60,000 in financing to renovate your home.

How long does it take?

We commit to responding to your application in less than 24 hours. The period starts once you provide us with the documentation and we confirm feasibility.

24h Renovation Loan online only!

These conditions are valid only if you apply through this website.

What is the repayment term?

You will have between one and eight years to repay it.

If you need a quick answer to a financing need, we’ll get back to you within 24 hours. That’s our commitment, certified and in writing. Apply for amounts from €6,000 up to €60,000 through a personal loan with possible discounts, with an opening fee of 1.50% (minimum €90), and no other formalization costs.

The interest rate for this 24h Renovation Loan, without any discounts, is a NIR of 8,95%, APR from 10,32% (maximum APR 17,38%). We show you what your installment and interest would be in the examples you’ll find below.

But you can reduce this rate by up to 3%, down to a NIR of 5,95%, APR from 10,59% (maximum APR 24,02%) if you take out certain ABANCA products or services that offer interest rate discounts. You’re not required to take them out, but they can help you pay less for your loan:

Improve the conditions of your 24h renovation loan

If you direct deposit your salary

Or your social security contributions of €600 or more, the interest on your loan will be reduced by 1.50%. If you don't have a salary, but you have monthly income of more than €600, the same conditions will apply to you.

If you take out a life insurance policy

Linked to the loan for 100% of the principal requested and with a minimum amount of €15,000, in addition to securing the payment, your interest rate will be reduced by 0.75%.

Payment protection insurance

By taking out a home or car insurance policy, or a single-premium payment protection insurance linked to the loan for 100% of the principal requested, you will reduce the nominal interest rate (TIN) of your loan by another 0.75%.

VISA Tú credit card

To formalize this loan, you must take out a VISA Tú credit card, if you do not already have another ABANCA credit card. You can cancel it whenever you want.

Repay your home renovation loan at your own pace

The 24h renovation loan gives you every convenience to pay your loan online. You can simulate the operation with different terms, up to a maximum of eight years, and see the installment that best suits your needs. You can repay it between one and eight years (96 months).

What do you need to apply for a renovation loan? Steps and conditions

Fill out our online form

It won't take you more than 10 minutes

We will contact you

If the application is viable, we will ask you for some documentation

Sign the loan

Online or at your nearest branch

Additionally, please note that due to the characteristics of this product, you can only contract it until you or any participating holder turn 59 years old. In this case, you can consult other options at your branch.

And remember that the conditions shown here are only valid if you manage it through the website.

Do the math. Calculate your loan online

How much do you want to request?

With the 24h personal loan you can request from €500, but for amounts up to €6,000 the loan is granted through a credit cardIt will open in a new window. That's why this simulator starts at €6,000, which is the minimum you can request in the loan modality. Keep in mind that you can request up to the amount you need to finance.

Our Commitment to Your Time

There are times when you simply can't wait. That's why we've created this 24-hour personal loan as a fast-track online loan.

Only 24 hours will pass—no more, no less—from the moment you provide us with the documentation, sign the application, and we confirm it's viable.
We will meet the deadline. If we don't: we will compensate you. And if you don't meet the requirements for the loan, we'll also let you know within a maximum of 24 hours!

Example of 24h renovation loan with and without bonus

We compare the different offers for you in a transparent way. Apply now for amounts from €6,000 up to €60,000 through a personal loan eligible for a bonus, with an opening fee of 1.50% (minimum €90), and no other formalization costs.

Amount	Term	NIR	APR	Monthly payment	Final payment	Total amount owed	Total cost of financing
Personal loan without discount
6000€	1 year (12 payments)	8,95%	17,38%	€524,57	€524,55	€6.528,82	€528,82 ⁽¹⁾
12.000€	4 years (48 payments)	8,95%	13,00%	€298,34	€298,06	€15.205,04	€3.205,04 ⁽²⁾
60.000€	8 years (96 payments)	8,95%	10,32%	€877,46	€876,95	€86.588,65	€26.588,65 ⁽³⁾
Personal loan with maximum discount
6000€	1 year (12 payments)	5,95%	24,02%	€516,26	€516,27	€6.686,41	€686,41 ⁽⁴⁾
12.000€	4 year (48 payments)	5,95%	17,32%	€281,55	€281,27	€15.787,18	€3.787,18 ⁽⁵⁾
60.000€	8 year (96 payments)	5,95%	10,59%	€787,03	€786,55	€84.348,49	€24.348,49 ⁽⁶⁾
The APR for this loan is calculated under the assumption that the transaction is formalized on the first day of the month, and may vary from 10,32% to 24,02% depending on the amount, term, interest rate, and date of formalization. The amortization system is EPC (French or fixed installment). What fees and commissions are included in this loan? (1) These 528,82€ include all incurred expenses: 294,82€ in interest; 90€ as an opening fee, and 36€ per quarter as an account maintenance fee for the associated account. (2) These 3.205,04€ include all incurred expenses: 2.320,04€ in interest; 180€ as an opening fee; 36€ per quarter as an account maintenance fee for the associated account, and 43€ annually as a maintenance fee for the Visa Tú credit card. (3) These 26.588,65€ include all incurred expenses: 24.235,65€ in interest; 900€ as an opening fee; 36€ per quarter as an account maintenance fee for the associated account; and 43€ annually as a maintenance fee for the Visa Tú credit card. (4) These 686,41€ include all incurred expenses: 195,13€ in interest; 90€ as an opening fee; 36€ per quarter as an account maintenance fee for the associated account; 54,79€ for the life insurance premium, and 202,49€ for the payment protection insurance premium. (5) These 3.787,18€ include all incurred expenses: 1.514,12€ in interest; 180€ as an opening fee; 36€ per quarter as an account maintenance fee for the associated account; and 43€ annually as a maintenance fee for the Visa Tú credit card, 630€ for the life insurance premium, and 758,06€ for the payment protection insurance premium. (6) These 24.348,49€ include all incurred expenses: 15.554,40€ in interest; 900€ as an opening fee; 36€ per quarter as an account maintenance fee for the associated account; and 43€ annually as a maintenance fee for the Visa Tú credit card; 1853,08€ for the life insurance premium, and 4588,01€ for the payment protection insurance premium.

Looking for a car loan?

With the Auto Loan 24h you can easily finance the purchase of a new car. Discover the advantages!

More information

Do you need less than €6,000?

Whether you’ve already saved for your project or you need less than €6,000, take a look at our revolving VISA Clip card.

More information

These conditions will not apply if the loan is subject to Law 5/2019 of March 15, regulating real estate credit contracts.

Information about life insurance and payment protection insurance. Intermediary: ABANCA MEDIACIÓN, OPERADOR DE BANCA SEGUROS VINCULADO S.L., tied bancassurance operator, with registered office at Avenida de la Marina 1, 4th floor, A Coruña, and with CIF B-70049630, registered in the Commercial Registry of A Coruña, Volume 3092, Page 73, Sheet C-38698, and in the Special Administrative Register of Insurance Intermediaries of the Directorate-General for Insurance and Pension Funds with number OV-0044. With Civil Liability Insurance and Financial Capacity as required by current insurance distribution regulations. You can consult the insurance companies we work with. In addition, you will find more information about terms and rates at ABANCA branches.

Do you have questions? We have answers

DUDAS

Dependerá del importe que necesites:

Si necesitas desde 500 € hasta 6.000 €, te daremos el importe en una tarjeta de crédito.
Si necesitas más de 6.000 €, te daremos el importe en un préstamo personal.

Para que estudiemos tu crédito nos tienes que traer unos documentos básicos, y nos hemos esforzado para que sean los menos posibles.

Si optas por el Préstamo Auto 24h o la modalidad de préstamo personal del Préstamo 24h, y eres ya cliente nuestro y tienes tu nómina domiciliada en ABANCA, solo nos tienes que traer:

tu última nómina
o tu último resumen anual de IVA, si eres autónomo y no tienes nómina.
tu última declaración de la renta (IRPF)
los últimos tres recibos de los préstamos que tengas concedidos en otras entidades.

Si aún no eres cliente de ABANCA, o si lo eres pero no tienes tu nómina domiciliada, vamos a necesitar también tu nómina y tus declaraciones tributarias, los recibos de los préstamos en otras entidades y además:

tu documento de identidad, sea DNI, NIE o pasaporte
un extracto bancario del último trimestre de todas las cuentas que tengas abiertas en otras entidades.

More real questions and answers about the 24h Loan It will open in a new window

DOCUMENTACIÓN