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Finance Your Energy Transition with an Energy Loan
Save energy and protect the environment with an Energy Loan. Also known as a “green loan,” this earmarked loan allows you to finance your energy efficiency projects, reduce your bills, and increase the value of your property. Simulate your financing and make your home a model of sustainability.
Simulate your green loanLegal 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 Energy Loan: Your Ally for a Sustainable and Economical Home
The Energy Loan, or green renovation loan, is a consumer loan specifically designed to finance projects aimed at improving the energy performance of your home. Unlike a personal loan, it is an earmarked loan: the funds are exclusively intended for specific ecological works, often allowing you to benefit from more advantageous conditions.
What types of work can you finance with an Energy Loan?
- Thermal insulation: roofing, walls (from the inside or outside), floors, and attics.
- High-performance heating systems: heat pump, condensing boiler, biomass.
- Renewable energy: installation of photovoltaic or thermal solar panels.
- Frames and glazing: replacement with high-efficiency double or triple glazing.
- Ventilation: installation of a single or double-flow CMV (Controlled Mechanical Ventilation) system.
- Other: energy audit, installation of home automation for energy management.
Our online simulation helps you visualize your project:
- The total amount to borrow to cover your quotes.
- The monthly payment that fits perfectly into your budget.
- The ideal repayment period to amortize your investment.
Investing in the energy efficiency of your home means choosing a greener future while making substantial savings on your bills. The Energy Loan is the financial lever that makes this investment accessible to everyone.
Free • No obligation • Quick in-principle decision
The Key Advantages of the Energy Loan
Opting for an Energy Loan is a smart choice that combines financial benefits, living comfort, and respect for the environment:
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Favorable interest rate: As a “green” loan, it often benefits from a lower APR than a classic personal loan, as banks encourage this type of sustainable investment.
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Reduction of your energy bills: The very goal of the works! The savings made each month can help repay your loan.
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Increased value of your real estate: A better energy performance rating (EPC) increases the value of your house or apartment for resale or rental.
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Access to government grants and subsidies: The Energy Loan can often be combined with regional (Walloon, Flemish, Brussels) or national subsidies, further reducing the total cost of your works.
With these assets, the Energy Loan is more than just a loan: it is a strategic investment for your comfort, your wallet, and the future of the planet.
How to get your Energy Loan in 5 steps?
Our process is designed to effectively support you in financing your works.
1. Online Simulation
Use our simulator to define the necessary amount and the repayment period. Get a clear estimate of your monthly payment.
2. Application and Quotes
Fill out the application form and prepare your documents: ID card, pay slips, and especially, the quote(s) for the work to be done.
3. Analysis and Offer
Our experts analyze your file and the conformity of the works. You will quickly receive a personalized contract offer.
4. Contract Signing
After accepting the offer, you sign the contract, often electronically for simplicity and speed.
5. Disbursement of Funds
Upon presentation of the invoice for the works, the funds are transferred directly to the contractor or to your account so you can pay them.
At each step, our advisors are available to guide you, answer your questions about eligible works, and help you optimize your project.
Flexible Financing for Your Energy Works
The Energy Loan is designed to adapt to the specifics of your renovation project and your financial situation:
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Fixed and attractive rate: The majority of energy loans have a fixed rate, guaranteeing you constant monthly payments throughout the term and excellent visibility on the total cost of your project.
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Extended repayment period: Repayment periods can be longer than for a personal loan, allowing you to align the amortization of your loan with the lifespan of your equipment and the savings generated.
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A loan tied to your works: As an earmarked loan, it protects you. If the works are not carried out or are canceled, the loan can be as well (according to the contract conditions). You will need to provide quotes and invoices to justify the use of the funds.
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Early repayment possible: In accordance with the law, you can repay your loan before the due date. The savings from your energy bills can even help you speed up this repayment.
This structure ensures you have secure, transparent financing that is perfectly aligned with the nature of your ecological investment.
A Doubly Profitable Investment: For the Planet and Your Wallet
A well-planned Energy Loan is a powerful lever for building a more serene financial and environmental future.
Calculate the return on investment
Use our simulation to compare your future monthly payment with the estimated energy savings. This will help you visualize the profitability of your project in the medium and long term.
Optimize with grants
Our advisors inform you about regional grants and government aid. By deducting them from your total cost, you can borrow less or undertake even more ambitious works.
Benefit from our expertise
We guide you in choosing the most suitable financing solutions for the types of work planned, ensuring the consistency of your project and your repayment capacity.
By investing in the energy performance of your home, you are taking concrete action for the environment while building a more solid and less costly asset.
Testimonials: they improved their comfort and reduced their bills
“We replaced our old oil boiler with a heat pump and insulated our roof. The Energy Loan made this large investment possible. The advisor even helped us with the grant applications. Our bills were cut in half!”
“For the installation of my photovoltaic panels, the process was very smooth. The simulation was accurate and the funds were released without any issues upon presentation of the installer’s invoice. I produce my own electricity, which is a great satisfaction.”
What our clients appreciate most:
- The simplicity of the process despite the technical nature of the projects.
- The competitive interest rates that make the project profitable more quickly.
- The support and advice on eligible works and financial aid.
The Energy Loan transforms a renovation project into an opportunity to increase the value of your property and sustainably manage your budget.
Energy Loan FAQ
Find answers to frequently asked questions about the Energy Loan here. This earmarked loan is the ideal solution to finance your energy-saving works in Belgium and Luxembourg.
An Energy Loan (or “green loan”) is an earmarked installment loan, which means it is exclusively intended to finance works aimed at reducing a home’s energy consumption. Unlike a personal loan, you must justify the use of the funds with quotes and invoices.
Generally eligible works include:
- Insulation: roof, walls, floors.
- Heating: replacement with a condensing boiler, a heat pump, a biomass stove.
- Renewable energy: photovoltaic or thermal solar panels, solar water heater.
- Glazing: switching to high-efficiency double or triple glazing.
- Ventilation: installation of a CMV (especially double-flow).
- Energy audit to plan renovations.
The goal is to encourage sustainable renovations by often offering more attractive financing conditions (lower interest rate).
Yes, absolutely. This is the main difference from a personal loan. The “earmarked” nature of the Energy Loan requires proof that the funds are indeed used for the planned works.
The process generally unfolds in two stages:
- During the application: You will need to provide one or more detailed and signed quotes from a contractor. These documents allow the credit institution to validate the eligibility of the works and set the loan amount.
- For the disbursement of funds: After signing the credit agreement, the release of funds is conditional on the presentation of the final invoice corresponding to the works. The money can be transferred to your account for you to pay the contractor, or sometimes directly to the company that performed the works.
This procedure ensures that the loan serves its ecological purpose and protects you as a consumer.
Although both are consumer loans, the Energy Loan offers specific advantages for ecological renovation projects:
- Lower Interest Rate (APR): This is the main advantage. Banks and credit institutions offer more attractive rates to encourage green investments. Over the term of the loan, this represents a significant saving.
- Potentially Longer Repayment Periods: For large amounts, the maximum authorized periods can be longer, which helps to lighten the monthly payments and better absorb the cost of major works.
- A Lever for Government Grants: Structuring your project via an Energy Loan often simplifies the process of obtaining regional grants, as your file is already formalized with clear quotes.
- A Secure Framework: The earmarked nature of the loan protects you. If the contract with the contractor is canceled, the loan can be as well, which is not the case with a personal loan where the funds are disbursed to you without a purchase condition.
In summary, if your project is 100% dedicated to eligible energy works, the Energy Loan is almost always the most financially sound solution.
Yes, and it is even highly recommended! The Energy Loan and grants (regional, municipal…) are two complementary mechanisms to finance your works.
Here is how they work together:
- The Energy Loan finances the total cost of your works (including VAT) at the time you carry them out. It allows you to avoid having to advance the sum.
- The grants are paid to you after the completion and invoicing of the works, once your application file is accepted by the competent authority (e.g., Wallonia Energy, Brussels Environment).
You can therefore use the amount of the grant received to make a partial early repayment of your Energy Loan. This will either reduce the term of your loan or the amount of your monthly payments, thus lowering the total cost of your credit. It is a very effective strategy for optimizing the financing of your renovation.
The criteria are similar to those for a classic loan, but with an additional condition related to the works. You must:
- Have sufficient repayment capacity: Your income must be stable and regular, and your debt-to-income ratio (all loans combined) must remain within a reasonable limit (generally around 33-40%).
- Not have a negative credit history: A consultation with the Central Individual Credit Register of the National Bank of Belgium is mandatory. A history of poor payment can be an obstacle.
- Be of legal age and a resident of Belgium or Luxembourg.
- Present an eligible works project: This is the specific criterion for the Energy Loan. You must provide compliant quotes for works recognized as improving the energy performance of your home.
Each file is analyzed individually to ensure that the loan is a viable and responsible solution for the borrower.
This is a situation that can happen. It is crucial to anticipate the total cost as accurately as possible, but unforeseen events can occur. Several options are available to you:
- Finance the difference with your own funds: This is the simplest solution if you have savings.
- Request an increase in your loan: If the works are not finished and your repayment capacity allows it, you can contact your advisor to explore the possibility of increasing the borrowed capital. This will result in an amendment to the contract or a new contract.
- Take out a small complementary personal loan: If the energy loan is already paid off or if an increase is not possible, a small personal loan can be considered to cover the surplus.
We always recommend including a small safety margin in your initial budget. Discuss this with your advisor from the beginning of your project to consider the best approach.