Warning, borrowing money also costs money.

Home Improvement Loan: Finance your custom renovations

Need to renovate your home, expand it, or improve its energy efficiency? The home improvement loan offers you the ideal solution to finance your projects, from small adjustments to major renovations. Discover our solutions tailored to your needs.

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Legal 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.

CPE Crédit accompanies you in your projects

Credit Expert

Credit Expert

Benefit from our 30 years of expertise for all your projects

Principle reply

Principle reply

Get a quick and clear response to your request

Online request

Online request

Feel free to make your request without any obligation on your part

100% secure

100% secure

Get a 100% secure service for your peace of mind

Custom Home Improvement Loan

Your home is aging, you’ve suffered water damage, or you’ve finally found that old farmhouse you want to renovate?

The renovation loan provides you with the necessary funds for renovating, expanding, repairing, or decorating your home. Talk to us, we are here to listen and find the credit solution that suits your desires.

 

In Brief…

What is the purpose of this loan?

Depending on your needs and desires, the renovation loan can take various forms:

  1. Mortgage Loan: a loan to finance your transformation or renovation works.
  2. Credit Buyback: a loan to enjoy numerous advantages by buying back your mortgage loan to carry out works in your home. This involves refinancing the initial mortgage loan by including the desired works. This loan allows you to obtain a preferential rate (interest rate starting at 3.95%).
  3. Installment Loan: a loan to quickly access funds without needing to provide proof.
  4. Owner’s Loan: a loan for homeowners who want to borrow significant amounts.
  5. Energy Loan: a loan to carry out works for energy-saving purposes.

Who can apply for such a home improvement loan?

Individuals residing in Belgium or Luxembourg.

Conditions for obtaining a home improvement loan

Ideally, not being listed with the National Bank of Belgium, although a refinancing and centralization project is possible.

Permanent contract for at least one of the borrowers and presenting the last three pay slips.

You must receive income in both Belgium and Luxembourg.

Have seizable income in Belgium or Luxembourg.

Valid identity card or residence permit.

The Benefits of CPE

Our advisors:

  • analyze your file individually.
  • take your request over the phone without you having to travel.
  • give you a response as soon as possible.
  • offer you an appointment at our agency closest to your home.
  • answer all your questions without obligation.

Discover our solutions based on your projects

Besoin d'argent

I need money
Renovation

I am renovating my accommodation
Voiture

I am changing my car
Logement

I am buying my home

Services

Why choose our services?

Discover why thousands of customers trust us to finance their projects:

Get an answer

Get an answer

within 24 hours

Simple process

Simple process

and online

Custom solutions

Custom solutions

for all your projects

We inform you

We inform you

of all details

Start my project now
5 étoiles

What our customers say

Koho C.
08:38 02 Dec 24
Très professionnel
Danielle M.
20:12 25 Nov 24
Aicha S.
18:36 25 Nov 24
Je suis ravie d’avoir contacter vos services, je suis touchée de ce côté professionnel en même temps humain , un énormément merci pour votre réactivité Madame Alonso y Redondo Anaïs, pour votre professionnalisme et savoir faire .Un tout grand merci à Monsieur Debacker Laurent pour votre patience, professionnalisme, ponctualité,Tout est passé a merveille.Bravo 👏
Lili M.
15:30 20 Nov 24
Un service rapide et impeccable merci je recommande fortement madame Pancu.
bruno L.
13:31 24 Oct 24
Parfait très professionnel et sérieux
Rodrigue G.
05:57 14 Oct 24
Après plusieurs mois de recherche et de refus chez plusieurs banquiers et courtiers, je suis tombé par hasard sur le site internet du Crédit Populaire Européen(CPE) où j’ai introduit une demande en ligne. Mon dossier à été attribué à madame Hamrouni qui, après une analyse approfondie de notre situation m’a redonné espoir. En 48h elle avait trouvé une solution pour nous avec un meilleur taux. Je recommande le CPE de Mons et madame Hamrouni en particulier pour son dévouement dans son travail.Merci encore pour tout.
Marie M.
12:43 06 Mar 24
Suite à mon récent entretien avec Monsieur Glorieux Christopher, je suis convaincue que son nom prédestinait déjà le succès dans le traitement de notre dossier. Son professionnalisme et sa patience semblent inépuisables, presque magiques, comme s’il avait été trempé dans un chaudron de sérénité ! Ils sont tous exceptionnels, d’une patience sans bornes, prenant le temps de tout expliquer et restant toujours disponibles pour d’éventuelles questions. Un grand merci également aux secrétaires, ou devrais-je dire assistantes, pour leur incroyable gentillesse. Mes remerciements les plus chaleureux à Madame Delrée Ludivine et à Monsieur Glorieux Christopher, pour votre professionnalisme et votre excellence sans faille. 🌟👏 Vous faites toute la différence ! 🙌💐
Florence D.
15:51 31 Jan 24
Après avoir comparés plusieurs banques et courtiers, notre choix fut rapidement fait pour notre crédit.Madame Traversin, en plus de se montrer très efficace, disponible, bienveillante et réactive, nous a tout expliqué très clairement, s’est assurée de notre compréhension et a répondu à toutes questions concernant notre dossier.Le crédit a été rapidement accepté et nous nous sentons soutenus dans toutes les démarches.
Nicole M.
12:13 05 Dec 23
Merci pour votre professionnalisme et votre amabilité 🌷Ma reconnaissance se dirige tout particulièrement vers Madame HAMROUNI qui a su trouver la solution à tout ce qui me semblait irréalisable.Je la recommande vivement pour tous vos projets quels qu’ils soient.De plus, elle est sympa…ce qui ne gâche rien 😊👍

Need funding?

I am carrying out my, project

Simulating a loan with CPE Crédit is simple and fast:
  1. Go to our loan simulator.
  2. Select the type of project you want (personal loan, car loan, home improvement, loan consolidation, etc.).
  3. Enter the desired amount and term.
  4. Immediately get an estimate of your monthly payments and the total cost of the loan.
  5. If the offer suits you, you can submit your application online.
💡 Our team is available to help you fine-tune your project and offer you a personalized solution.

We offer several financing solutions tailored to your needs:
  • Personal loan
  • Car loan
  • Home improvement loan
  • Loan consolidation
  • And much more…
💡 Need advice? Contact us for a free, no-obligation assessment!

To complete your loan application, you will generally need to provide the following documents:
  • Valid ID (identity card or passport).
  • Proof of income (pay slips, tax notice, etc.).
  • Proof of address.
Other documents may be required depending on your situation. A loan advisor will guide you every step of the way!

Addresses:
  • Mersch Agency – 12, Grande-Duchesse Charlotte Street
  • Esch-sur-Alzette Agency – 56, Rue de la Libération
  • 📞 Phone: +352/24.55.99.99
  • 📧 Email: info@cpe-credit.com
  • 🌐 Website: www.cpe-credit.com
💡 Our advisors are here to support you in your project!

Applying for your loan with CPE Crédit is fast, simple, and 100% secure thanks to our simulator:
  1. Simulate your project with our tool:
    • Select the type of project you want.
    • Enter the amount and term to estimate your monthly payments in seconds.
  2. Receive a summary of your request instantly.
  3. If the offer suits you, continue to the next step.
  4. Fill out the loan application form with your details.
  5. Get an instant preliminary response – it’s free and with no obligation!
📞 Need help? Contact us – our advisors are here to support you at every step! 😊

The rate applied to your loan depends on several factors, including:
  • ✔ The type of loan (personal, car, home improvement, loan consolidation, etc.).
  • ✔ The amount borrowed – the higher the amount, the more the conditions may vary.
  • ✔ The repayment term – a longer loan can affect the interest rate.
To get an accurate estimate of your rate (APR – Annual Percentage Rate) and monthly payments, use our online simulator. In just a few clicks, you’ll receive a tailored offer with no commitment. Need personal advice? Our advisors are here to help!

Need to
Finance a project?

Besoin d'argent

Debt consolidation

  • Simplify your finances: consolidate your loans into a single monthly payment for better management.
  • Lighten your burden: benefit from a monthly payment adjusted to your budget.
  • A personalized solution: our experts advise you to find the offer that best suits your needs.
from 7.95 % APR **
Most selected
Projet personnel

Personal Project

  • Tailored solutions to fit your needs: finance your personal projects without compromise.
  • A quick and clear process: get a fast preliminary response, subject to acceptance.
  • Adjustable monthly payments: choose a duration and an amount that suits your situation.
from 7.95 % APR **
Logement

Buy a house

  • Finance your real estate project: whether it is to buy a house, an apartment, land, or build your future home.
  • Competitive and transparent rates: solutions tailored to your real estate projects.
  • Get work done: optimize or modernize your home.
from 3.45 % APR **
Renovation

Renovate your home

  • Transform your home: finance your renovation, remodelling, or insulation projects…
  • Attractive conditions: benefit from monthly payments adjusted to your needs.
  • Personalized follow-up: our experts support you in all your steps.
from 4.38 % APR **
Energie

Save energy

  • Adopt a sustainable lifestyle: finance your renewable energy or energy renovation projects.
  • Enjoy advantageous assistance: benefit from advantageous rates for your ecological equipment.
  • Optimize your expenses: reduce your bills with tailored solutions.
from 3.99 % APR **
Voiture

Buy your car

  • Make the road your ally: finance the purchase of your new or used car, motorcycle or utility vehicle.
  • Customized solutions: adjust the duration and monthly payments to fit your budget.
  • A simple and fast process: get a principle response within 48 hours, subject to acceptance.
from 3.99 % APR **
Mariage

Plan your wedding

  • A perfect day, without compromises: finance your ceremony, reception, and all the details that matter.
  • Tailored solutions: adjust the amount and duration according to your project.
  • Clearness and speed: get a quick preliminary answer to make your desires come true.
from 7.95 % APR **
Vacances

Plan your vacations

  • Escape with a light heart: finance your trips, stays, or adventures.
  • Flexible monthly payments: choose an amount and duration that suits your budget.
  • Personalized support: simplify your procedures with our experts by your side.
from 7.95 % APR **
Logement

Group your mortgage loans

  • Simplify the management of your finances: consolidate your mortgages into one monthly payment.
  • Lighten your burdens: benefit from a preferential rate and better management.
  • A personalized advice: find the solution that fits your budget with the help of our experts.
from 3.45 % APR **
Energie

Optimize your mortgage loan

  • Lower your monthly payments: optimize the terms of your mortgage loan.
  • Enjoy competitive rates: save on your current financing.
  • Tailored advice for your needs: find the solutions that suit you.
from 3.45 % APR **
See more offers
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