Anticipating the cold for better living at home
As autumn approaches, many homeowners are reminded just how winter-ready their homes must be. Faulty insulation, an aging heating system, damaged windows, persistent damp… so many little details that become very uncomfortable as soon as the temperatures drop. Chiara and Damiano, a couple living in an old house in Milan, have experienced this first-hand.
Already confronted with heat loss the previous year, they decided to take the initiative and renovate their home before winter set in. But to do so, they needed fast, reliable and appropriate financing. Their priority : to act quickly without compromising the balance of their budget.
A pleasant but energy-hungry home
Chiara and Damiano bought their home five years ago. Charming, well-located and spacious, it nevertheless had one weakness : its thermal insulation was not optimal. Every winter, their electricity bill soared. In addition to the declining comfort, they knew that this situation could damage the property’s value in the long term.
In May, after yet another period of unpleasantly cool weather, they decided to call in a local craftsman for a renovation estimate. The aim was to insulate the attic, change the windows and replace the old water heater.
A clear quote… and an immediate need for financing
The renovation company sent them an overall estimate of €12,700, including :
Attic insulation : €5,200
Replacement of 6 windows : €4,800
Thermodynamic water heater : €2,300
Minor finishing work : €400
Chiara and Damiano had €4,000 in savings, some of which they wanted to keep for unforeseen circumstances. They therefore needed to finance €9,000 quickly, and above all to obtain the funds without delay in order to block the work for the end of the summer.
A personal loan obtained in 48 hours
After a brief search, the couple contacted our credit organization. First, they carried out a free simulation, which enabled them to estimate the monthly repayments and repayment period according to their needs.
They then spoke with an advisor, who studied their financial situation, income and expenses. As stable wage earners with a good level of indebtedness and no banking incidents, their application was approved very quickly.
Our proposal :
Amount borrowed : €9,000
Term : 36 months
Fixed APR rate : 7.9 %
Monthly payments : approx. €280/month
Payment within 48 hours
Thanks to the responsiveness of our service, Chiara and Damiano were able to sign with the craftsmen the following Friday and plan the start of work two weeks later.
Renovating before winter : a strategic choice
The work took place over three weeks, just before the rainy season. The result : a house that’s better insulated, quieter, more economical… and a transformed quality of life.
Chiara and Damiano immediately noticed :
A more stable indoor temperature
Reduced electricity consumption from the very first month
Better overall comfort in their living areas
A potential increase in the value of their property
This well-sized personal loan has enabled them to gain in comfort without compromising their financial security.
Responsible financing with no nasty surprises
What Chiara and Damiano particularly appreciated was the transparency of our support. Every step was explained to them, from the APR to the terms of early repayment.
Chiara : “What I liked was the clarity. No hidden costs, no pressure. We took the time to understand everything before signing.”
Damiano : “The fact that we were able to release the funds in two days really saved us. Without that, we would have missed out on the craftsmen niche.”
They also chose to take out optional loan insurance, as a precautionary measure, to cover the loan in the event of unforeseen health problems.
Why opt for a personal loan for renovations ?
Unlike other, longer or more complex types of financing, the personal loan offers several advantages when you want to renovate fast :
✅ No proof of work required (unlike an assigned work loan)
✅ Simple, online process
✅ Funds available quickly, often within 48 to 72 hours
✅ Competitive rates, without mortgage guarantee
✅ Flexible repayment terms, with the option of early repayment free of charge.
This makes it an ideal solution for financing urgent, seasonal or targeted renovations.
One example among others
Since the beginning of the year, Garantia Credit has helped a number of households to carry out rapid renovations, such as changing air conditioning systems, improving insulation, replacing woodwork and modernizing bathrooms.
Each project is unique, but our mission remains the same : to offer responsible, simple and fast credit, so that our customers can act without waiting or getting into difficulty.
A few tips to help you prepare your application
For those who, like Chiara and Damiano, want to renovate before winter, here are a few recommendations :
Get a precise estimate from a professional
Calculate the exact amount to be financed, leaving a margin for unforeseen circumstances
Compare the offers, especially the APR and any charges.
Prepare your supporting documents : income, expenses, ID, etc.
Borrow only what you can comfortably repay
Well-chosen credit is a powerful tool, but it must always be part of a balanced budget.
In conclusion
Thanks to a fast personal loan, Chiara and Damiano were able to improve their daily lives, enhance the value of their home and face the winter with peace of mind. This financing has saved them time, comfort and even energy in the long term.
What about you? Do you have a renovation project that just can’t wait?
We’re here to support you, with a listening ear, responsiveness and transparency.
