Home furnishing loan

Home furnishing loan helps to make your home more comfy

  • You will receive a response to your application within a few minutes
  • Loan amounts up to 15,000 €
  • Interest from 9.9% on the loan balance
  • No collateral required
  • Early repayment free of charge

You do not need to have an account with LHV to apply.

Furnishing and appliances for your home

For furnishing

Home furnishing loan is suitable for financing the furnishings of your home as well as summer house. You can use it to purchase new furniture or the necessary household appliances.

For purchasing appliances

Home furnishing loan can be used for example to buy garden equipment or household or kitchen appliances.

No collateral required

When taking the home furnishing loan, there is no need to set your home as collateral or pay the state fee and notary fee. The entire loan can be conveniently repaid in the form of monthly instalments.

Calculate the monthly instalment


The results are estimated and may differ from the terms and conditions offered to you.

Application steps

  • Complete an application
    Fill in the loan application. There is no charge for submitting an application, and doing so does not obligate you to conclude an agreement. If a statement of account must also be submitted, we will inform you of this separately.

  • Limit offer
    Then we will calculate your home furnishing loan limit that will be available to you for the next 90 days.

  • Conclude the agreement
    You can sign the agreement in our self-service environment. If you cannot sign it digitally, please visit our partner Euronics store. There, you can sign a printed contract.

  • Money to your account
    During the next business day, at the latest, the loan amount less the agreement fee will arrive in your bank account.

Terms and conditions

Loan amount

Up to 15,000 €


From 9.9% per year on the outstanding loan balance. LHV calculates the interest on the outstanding loan balance, not the whole loan sum. This means that the interest payments will decrease monthly as your loan balance decreases.

Agreement fee

up to 1% of the loan sum, from 29.9 €

Repayment term

6 months to 6 years

Amendment of agreement

If you need to, you can take a grace period or change the date or amount of monthly payment. The fee for amending the agreement is 10 €. To amend the agreement, please write to finance@lhv.ee.

Free early repayment

Early repayment of the whole credit sum is free of charge.


Monthly payments are to be paid to the account EE707700771001062897; with the beneficiary being: AS LHV Finance: reference number: your agreement number.

The home furnishing loan is offered by AS LHV Finance. Review the terms and conditions at lhv.ee/en/furnishingloan and consult our expert. The monthly instalment is 121.32 € and the annual percentage rate of charge is 17.63% on the following sample terms and conditions: loan sum 5000 €, annual interest rate of 15.9% on the outstanding balance (fixed), agreement fee 50 €, repayment period 60 months, with monthly annuity payments, in the total sum of 7,331.41 € and the sum of repayments of 7,331.41 €.

Loan insurance is offered by ERGO Insurance SE. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist. The monthly instalment of a small loan with insurance is 131.03 € and the annual percentage rate of charge is 21.83% on the following sample terms and conditions: loan sum 5,000 €, annual interest rate of 15.9% on the outstanding balance (fixed), monthly fee 9.71 €, agreement fee 50 €, repayment period of 60 months, with monthly annuity payments, in the total sum of 7,909.78 € and the sum of repayments of 7,909.78 €.

Loan insurance

You can make your loan more secure by adding loan insurance to your agreement. LHV Finance, together with ERGO Kindlustus, provides loan insurance, ensuring that you will not find yourself in trouble with instalments in the case of unforeseen circumstances.
Read the terms and conditions of loan insurance.

Unemployment, i.e. the termination of an employment contract or civil service contract by one’s employer for a reason beyond the insured person’s control;

  • temporary incapacity for work, i.e. a certificate of incapacity for work valid for over 30 days;
  • permanent incapacity for work, i.e. a certificate of incapacity for work valid for over 30 days;
  • death, i.e. any loan liability does not have to be met by the heirs.

The insurance cover commences from the day of the first Home Furnishing Loan instalment. You can also take out this additional insurance during the term of your Home Furnishing Loan agreement, in which case the insurance cover will commence from the date of the next instalment. Unemployment cover begins one month after the insurance has started.

In case of an insured event, notify the client support of LHV Finance as soon as possible. Client support will notify the loss adjuster, who will contact you with further instructions.

The insurance premium is 8% of your monthly Home Furnishing Loan instalment. For example, if you take a Home Furnishing Loan in the amount of 3000 € for two years, only 5 € will be added to your monthly instalment.

LHV Finance contacts

Call 680 2700 or write to finance@lhv.ee daily from 9 to 21.