Is it so necessary for you to get a loan for such a thing? I'd think twice before taking a loan in such a case. Don't get me wrong, but if you don't have money to renovate a living room (not really the necessary part of the house), why waste your time and money on getting a loan? Banks don't have the best interest rates atm so that wouldn't be so beneficial for you. But if you finally decide to risk, I'd suggest you contact https://www.yhdistalaina.com/kulutusluottojen-yhdistaminen/ first and discuss it with them. They'd help you to choose the better option.

You can quote often get preferential rates from your bank, or they can make the process slightly easier. Check out this from the Money saving expert for more options https://www.moneysavingexpert.com/loans/cheap-personal-loans/?utm_expid=.AEm85SJHSRKrAntxMz6c_Q.0&utm_referrer=https%3A%2F%2Fwww.moneysavingexpert.com%2Fborrowing%2F

If you have a mortgage then speak with your provider about borrowing more for home improvements. The terms should be more competitive than personal or other types of loans.

Never ever go down the credit card route.

Good luck.