Warning, borrowing money also costs money.
Finance Your Green Projects with the Green Loan
Bring your sustainable ambitions to life with the Green Loan. Whether it’s for cleaner mobility, an eco-friendly renovation, or more energy-efficient equipment, this specific-purpose loan helps you invest in a better future. Align your finances with your values, simulate your loan, and become an agent of change.
Simulate your green projectLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
The Green Loan: Financing Your Sustainable Future
The Green Loan is a financing solution designed to support all projects with a positive environmental impact. Broader than an energy loan, it is a specific-purpose loan that covers a wide range of eco-friendly purchases and works, often with more favorable interest rate conditions than a standard personal loan.
What types of projects can you finance with a Green Loan?
- Sustainable Mobility: Purchase of an electric or hybrid car, an electric bike, installation of a charging station.
- Eco-friendly Renovation: Insulation, high-performance heating systems (heat pump), solar panels.
- Water Management: Installation of a rainwater harvesting system, a solar water heater.
- Eco-responsible Equipment: Purchase of high-energy-efficiency appliances (class A), sustainable building materials.
- Outdoor Landscaping: Installation of a green roof, creation of a permaculture vegetable garden.
Our online simulation allows you to bring your idea to life:
- The total amount to borrow for your green project.
- The monthly payment tailored to your monthly budget.
- The optimal repayment term for your investment.
Investing in a green project means making a choice that benefits the planet, your long-term finances, and your quality of life. The Green Loan is the financial tool that makes this commitment accessible.
Free • No obligation • Quick initial response
The Many Benefits of the Green Loan
Choosing a Green Loan means opting for a financing solution that goes beyond the financial aspect:
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Preferential interest rate: Financial institutions encourage green initiatives by often offering a lower APR for green loans.
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Reduce your footprint and your costs: Less spending on fuel, lighter energy bills… Your investment pays off daily.
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Increase the value of your assets and your lifestyle: An energy-efficient home or a clean vehicle are major assets that increase the value of your property.
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Easier access to grants and subsidies: A well-structured loan application is an excellent starting point for requesting government aid for ecological projects.
The Green Loan is not an expense, but a strategic investment for a healthier, more economical, and more environmentally friendly future.
How to Get Your Green Loan in 5 Simple Steps?
Our process is optimized to help you quickly bring your green project to life.
1. Online Simulation
Use our simulator to estimate your monthly payment based on the amount and term. Get a clear view of your financing.
2. Application and Documents
Fill out the application form and attach supporting documents: a quote for works, a purchase order for a vehicle, etc.
3. Analysis and Offer
Our advisors study the feasibility of your project and your application. You will receive a tailored contract offer as soon as possible.
4. Contract Signing
Once the offer is accepted, you sign the contract, often electronically for maximum simplicity and speed.
5. Disbursement of Funds
Upon presentation of the final invoice or delivery note, the funds are transferred to the seller, the installer, or your account.
At every step, we are here to guide you, check the eligibility of your project, and help you make the best choices.
Flexible Financing for Your Green Projects
The Green Loan is designed to adapt to the diversity of your projects and your personal situation:
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Fixed and transparent rate: Most of our green loans have a fixed rate. Your monthly payments will never increase, giving you full control over your budget.
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Customized repayment term: Choose a term that matches the nature of your project and your repayment capacity for a perfect balance.
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A secure, specific-purpose loan: The loan is directly linked to your purchase. If the sale or works are canceled, so is the loan (subject to contract clauses).
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Early repayment allowed: You have the freedom to repay your loan earlier than planned, in part or in full, in accordance with current legislation.
This structure guarantees you clear, secure financing that is perfectly in line with your ecological commitment.
A Smart Investment: Good for the Planet, Excellent for You
The Green Loan is more than just a loan; it’s a tool to build a more resilient financial and ecological future.
Calculate your return on investment
Compare your loan payment to future savings (fuel, electricity, water…). Our simulator helps you visualize the relevance of your project.
Maximize available aid
Our experts guide you to the grants and subsidies for which your project is eligible, allowing you to borrow less or aim higher.
Benefit from our expertise
We help you structure your financing in the most advantageous way, ensuring consistency between your project and your financial situation.
By choosing a sustainable investment, you are acting for the environment while saving money and consolidating your assets.
Testimonials: They Made Their Green Project a Reality
“We wanted to switch to an electric car, but the initial investment was substantial. With the Green Loan, we were able to finance the vehicle and the charging station at a very attractive rate. No more filling up with gas, what a relief!”
“My project was to install a rainwater harvesting system for my garden. The loan application process was very simple. I provided the installer’s quote, and everything moved forward quickly. A concrete action for the planet and for my wallet.”
The most frequent feedback from our clients:
- The clarity of the process for a wide variety of projects.
- The competitive rates that confirm the profitability of their choice.
- The personalized support and advice on grants.
The Green Loan transforms an ecological intention into a concrete, valuable, and economically viable achievement.
Green Loan FAQ
Find answers to your questions about the Green Loan here. This financing solution is ideal for all your ecological projects in Belgium and Luxembourg.
The Green Loan is a specific-purpose installment loan, designed to finance a wide range of eco-friendly projects. Unlike an energy loan, which focuses on housing, the green loan covers a broader spectrum.
Eligible projects typically include:
- Clean mobility: Purchase of an electric or hybrid car, electric bike, charging station.
- Energy renovation: Insulation, heat pump, solar panels, high-performance glazing.
- Sustainable equipment: Class A appliances, solar water heater, water recovery system.
- Materials and landscaping: Certified wood, green roof, etc.
The goal is to encourage sustainable choices by offering advantageous financing conditions, particularly a reduced interest rate.
Yes, supporting documents are essential. This is what defines the loan as “specific-purpose” and gives you access to better conditions.
Depending on your project, you will need to provide:
- For works or an installation: A detailed and signed quote from a professional (e.g., for solar panels, insulation).
- For the purchase of a good: A purchase order (e.g., for an electric car) or a pro-forma invoice (e.g., for appliances).
For the final release of funds, the final invoice will be required. This procedure protects the consumer and ensures that the loan is indeed financing an ecological project.
The Green Loan is specifically designed for ecological projects and offers key advantages over a non-specific-purpose personal loan:
- Lower Interest Rate (APR): This is the main benefit. Banks reward your environmental action with a lower rate, which reduces the total cost of your loan.
- A More Secure Framework: Since the loan is tied to the purchase, if the sale is canceled, the loan can be too (subject to contractual conditions). This protection does not exist with a personal loan.
- Adapted Amounts and Terms: Borrowing limits and repayment periods can be specifically tailored to larger projects, such as buying a vehicle or a complete renovation.
- Access to Grants: Having a well-prepared green loan application can simplify your steps to obtain aid and subsidies from the government or regions.
If your project is eligible, the Green Loan is the most relevant and cost-effective financial solution.
Yes, absolutely. It’s actually a very smart financial strategy. The Green Loan and grants are complementary tools.
Here’s how it works:
- The Green Loan allows you to finance 100% of your project from the start, without having to dip into your savings.
- The grants (for an electric car, a renovation, a charging station…) are paid to you by the competent body after the project is completed.
Once you receive the grant, you can use it to make a partial early repayment of your loan. This will allow you to reduce the term of your loan or your monthly payments, and thus lower the total cost of the operation.
The acceptance criteria are twofold: they concern both your financial situation and the nature of your project.
- Your borrower profile: You must demonstrate sufficient repayment capacity, with stable income and a controlled debt-to-income ratio. A check with the National Bank of Belgium is systematically carried out.
- The nature of your project: This is the specific criterion for the Green Loan. Your project must be recognized as having a positive ecological impact. You will need to prove this by providing compliant quotes or purchase orders.
- General conditions: You must be of legal age and reside in Belgium or Luxembourg.
The analysis of these elements ensures responsible financing adapted to your situation.
Yes, this is entirely possible and even common. The Green Loan is flexible and can cover an entire ecological project.
To group these two purchases into a single financing, you will simply need to provide the supporting documents for each part of the project:
- The purchase order for the electric or hybrid vehicle.
- The quote for the supply and installation of the charging station.
The total loan amount will then be the sum of these two documents. This simplifies the management of your project with a single monthly payment and a single financial contact. Do not hesitate to discuss this with your advisor when you apply.