Energy loan

Energy loan at a glance

• What for: the work and equipment that reduce the energy consumption of your house or flat.
• Amount: from €4,000 to €100,000, according to your quotations or invoices.
• Term: from 36 to 180 months depending on the amount, at a fixed rate: your monthly instalment never changes.
• Rates: as at 24 September 2026, from 4,40 % (fixed APR), depending on the amount, the term and your application. How they change month by month.
• Who for: owners of a property in Luxembourg or Belgium, with regular income from either of those two countries.
• Answer: generally within 1 to 4 working hours.
• Payment: generally to your account, on presentation of a signed quotation or an invoice.
• Public aid: the loan can advance the money while you wait for aid such as the Klimabonus, and be partly repaid when it arrives.
• Arrangement fees: Credit 24 never charges any, neither for the application nor for the credit. You only pay the interest.
• Tax: if you file your tax return in Luxembourg, the interest you pay is deductible, within the limits set by law.

How much does an energy loan cost?

Here are the monthly instalment and the total repaid for a few common amounts and terms.

Examples of monthly instalments by amount and term

Amount	Term	APR	Monthly instalment	Total repaid
15 000 €60 months	60 months	4,40 %*	278,37 €APR 4,40 %*	16 702,20 €
15 000,01 €84 months	84 months	4,40 %*	207,20 €APR 4,40 %*	17 404,80 €
20 000,01 €120 months	120 months	4,40 %*	205,48 €APR 4,40 %*	24 657,60 €
37 000,01 €180 months	180 months	4,60 %*	283,15 €APR 4,60 %*	50 967,00 €
100 000 €120 months	120 months	4,40 %*	1 027,42 €APR 4,40 %*	123 290,40 €
100 000 €180 months	180 months	4,60 %*	765,28 €APR 4,60 %*	137 750,40 €

The simulation gives you your monthly instalment in seconds, for the amount and term of your choice. To compare with our other loans, see the instalment table for each loan.

Key features

Type of credit

instalment loan

Purpose

energy loan

Amounts available

from €4,000 to €100,000

Terms available

from 36 to 180 months

Fixed borrowing rate

from 4.4 % to 5.89 %

APR

from 4.4 % to 5.89 %

What work can be financed?

The energy loan finances the equipment and labour for work that reduces your home's energy costs. For example:

You are free to choose the contractor who carries out the work. For a renovation that does not concern energy (kitchen, bathroom, extension), the home improvement loan is the right choice.

Energy loan and public aid

In Luxembourg, energy renovation work can qualify for state aid such as the Klimabonus. Eligibility and the amount depend on the public body: check with it before starting the work.

This aid is generally paid after the work. The energy loan therefore lets you pay the contractor without waiting. When the aid arrives, you can repay part or all of your loan at any time: future interest on that part is cancelled, subject to the early repayment fee explained in the frequently asked questions.

If your home is in Belgium, your Region also offers renovation aid: check with it.

Who can get an energy loan?

The energy loan is reserved for owners. The property must be located in Luxembourg or Belgium. For work on a property located elsewhere, or if you are a tenant, a personal loan can finance your project.

You must also meet these conditions:

A Belgian resident is treated exactly like a Luxembourg resident: same conditions, same rates. Residents of other countries are not eligible.

Full details are on the page setting out the conditions for taking out credit. We review every credit application personally before deciding whether to grant the loan.

How does an energy loan work, step by step?

1. Your application

   Online or by telephone, with no obligation, with the estimated amount of your work.

2. Our answer

   Generally within 1 to 4 working hours: this is the agreement in principle.

3. Your documents

   After the agreement in principle, we check the details of your application against the usual documents (identity, income, address) and your signed quotations or invoices. The sooner we receive your complete documents, the sooner your application moves forward.

4. Signing

   At our office, usually within 1 to 2 days.

5. Payment

   Generally to your account, by transfer, on presentation of a signed quotation or an invoice. Depending on the lender, payment can also be made directly to the contractor.

Your questions about the energy loan

What is the maximum amount and term?

You can borrow up to €100,000. The maximum term depends on the amount, under the legal rules: for example 84 months from €15,000.01, 120 months from €20,000.01 and 180 months from €37,000.01.

Can the energy loan be combined with the Klimabonus?

The energy loan finances your work; the Klimabonus is state aid, applied for separately from the public body, which decides on your eligibility. When you receive it, you can use it to repay part of your loan.

Why is the rate lower than a personal loan?

The energy loan is an allocated credit: it finances specific work, on quotation or invoice. In return, its rate is generally lower than that of a personal loan, and even than that of the home improvement loan.

Do I need quotations?

Yes. The funds are paid on presentation of a signed quotation or an invoice. For the application itself, an estimate of the amount is enough.

Advantages and limits of an energy loan

Why choose Credit 24 for your energy loan in Luxembourg?

In Luxembourg, an energy loan can be obtained from your bank, from a credit institution or from a broker such as Credit 24. As an independent broker, we work with several financial partners, including Alpha Credit (BNP Paribas), Record Credits (ING) and Elantis (Belfius): a single application gives you access to different proposals and to terms matched to your profile.

With more than 15 years of experience in credit in Luxembourg, Credit 24 supports its clients with care and consistency, in a personal, fast and transparent way.

How do I apply for an energy loan?

For a decision with no obligation, submit your credit application and we will give you a fast answer, generally within 1 to 4 working hours.

You can also run an energy loan simulation directly on our website.

Run my simulation

I have other questions

See the answers to our clients' frequently asked questions, contact us or call us on (+352) 20 20 34 41.

The loan rate applied depends on several factors, such as the lender (credit institution), the type of instalment loan, the sum borrowed, the term of the loan, the debt ratio, the disposable income and so on.

The information on this page does not constitute a credit offer and is subject to acceptance of the loan application.

Updated on September 28, 2026