Warning: borrowing money also costs money.
Home / Our Solutions / Home Improvement Loan

The home improvement loan, to transform your home.

Renovation, extension or remodeling: finance your project with an earmarked loan tailored to your needs, and Sok Finance support at every step.

Sok Finance home improvement loan

What is a home improvement loan?

A home improvement loan is an earmarked loan: it is dedicated exclusively to financing renovation, remodeling or extension work on your home. Unlike a personal loan, the funds are released upon presentation of a quote or invoice for the work in question.

You repay the borrowed capital, plus interest, according to a schedule set in advance over a fixed term. The amount, term and rate of your offer depend on your project and personal situation: they are communicated to you before any signature.

Home improvement loan or personal loan?

Home improvement loan: dedicated to your renovation work, quote or invoice required.

Personal loan: freely usable, with no proof of purchase.

Home Improvement Loan, much more than a simple credit

Financing designed to support your project from start to finish.

Dedicated financing

A credit designed specifically to finance your renovation work.

100% online

Simulation and application from home, in just a few minutes.

Fast response

An initial decision in principle within 24 to 48 business hours.

Dedicated support

A Sok Finance advisor follows you from the first conversation through to the release of funds.

For which renovations?

The home improvement loan adapts to your project, big or small.

Energy renovation

Insulation, heating, windows: improve your home's performance.

Extension

Expand your home to gain more space.

Kitchen or bathroom

Renovate the rooms you use every day.

Roof and facade

Renovate the exterior of your property.

Outdoor remodeling

Deck, garden or fence: enhance your outdoor spaces.

Other project

Any other renovation project suited to your needs.

Sok Finance advisor network

Why choose Sok Finance

As an independent broker, we compare the solutions best suited to your profile on your behalf, with no exclusive tie to a single institution.

Every term of your offer is presented to you in full transparency before any commitment, and the same advisor supports you from the first conversation through to the release of funds.

Employee, self-employed or retired: we review your situation with the same care, to offer you a solution genuinely suited to your project.

Conditions and documents to provide

A simple application to put together for a quick review of your request.

Eligibility conditions

  • Be of legal age and reside in France
  • Have a regular income
  • Not be listed on the FICP registry
  • Hold an active bank account in France

Documents to provide

  • Valid proof of identity
  • Proof of address less than 3 months old
  • Proof of income (payslips, tax notice...)
  • Detailed quote for the work

How to get your home improvement loan

Three simple steps, from simulation to the release of funds.

Step 01

Simulate your project

Run your simulation online, free and with no obligation.

Step 02

Send your application

Complete your application and attach the quote for your renovation work.

Step 03

Receive your answer

Once your offer is accepted, the funds are released to finance your renovation work.

Frequently asked questions - Home improvement loan

Your questions about the home improvement loan

Energy renovation, extension, interior or exterior remodeling: the home improvement loan adapts to your project.

Yes, a detailed quote will generally be requested before the funds are released.

An initial decision in principle is generally given within 24 to 48 business hours after your complete file is received.

Yes, you have a legal period of 14 calendar days to withdraw with no need to justify a reason, in accordance with the French Consumer Code.

Yes, the law allows you to repay all or part of your credit early, at any time.

Ready to bring your project to life?

Adjust the amount and term, then submit your request in a few clicks.

Desired amount
€15,000
Desired term
60 months
Estimated payment · Fixed APR 3% — €/month