Your energy loan

From 3.79%
  • Get a lower rate for energy-efficient investments
  • Work out your energy loan at a top-value rate
  • Apply for your loan online (even if you’re not a customer with us)
See what it costs you

* Representative example: for an instalment loan of 10.500 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 3.79%, you pay 60 instalments of 192.08 euros per month or 11,524.63 euros in total. Rate applies on 03-05-2024 for terms of up to 60 months, for an instalment loan used to finance energy-saving renovations.

Get a lower rate for energy-efficient investments

If you’re looking to make home improvements and at least half of your renovations are for energy-efficiency purposes, look no further than the KBC Energy Loan. You borrow at an attractive rate and you don’t have to pay any origination or registration fees. What’s more, your rate is fixed so your repayments stay the same each month.

Lots of energy-efficient investments are eligible for an energy loan, including new boilers, heat pumps, solar panels, home batteries and insulation.

> Check out the full list

Good to know: if at least half of your renovations are not for energy-efficiency purposes, you can apply for a renovation loan.

Work out your energy loan at a top-value rate

If you know how much you want to borrow for your energy-efficient project, you can work out your loan online in KBC Touch and KBC Mobile, just like you would in your KBC branch.

Flexibility and convenience guaranteed!

You’ll quickly see:

  • Your rate
  • The amount you pay each month
  • The term of your loan

See what it costs you

Apply for your energy loan online

If you like what you see after running your simulation and you’ve looked closely at the costs involved, apply for your energy loan online (even if you’re not a customer with us).

You can use KBC Touch and KBC Mobile to get a complete overview of your loan.

You’ll quickly see:

  • How much you have left to pay off
  • When your next repayment is due
  • How long your loan still has to run and what you pay each month

And if you have any questions or need advice, our KBC Live staff are on hand to assist you.

More information on the KBC Energy Loan

This loan is for you if at least half of your home improvements are for energy-efficiency:

Energy-saving enhancements that are eligible include:


• New central heating or solar boiler
• Water pumps and other geothermal energy systems
• Energy monitoring systems (smart thermostat)

Insulation and glazing

• Double and high-efficiency glazing
• Roof, wall or floor insulation
• Asbestos removal

Aeration and ventilation

• Ventilation systems
• Airtightness testing and improvements


• Low-energy hot water systems
• Water saving and filter systems, like rainwater harvesting

Electricity and lighting

• Low-energy lighting
• Solar panels
• Home batteries
• Wind turbines
• Charging stations


• Energy audits (including energy performance certification)

Want to insulate your home and save on your energy bills?

Use the additional ‘Insulate your home’ service to easily request a quote to have your home insulated by a quality contractor from our network.

> Find out more

Want to optimise your energy installation?

Use the additional ‘Solar panels and battery’ service to work out how much you’d save by installing solar panels and a home battery and to request a no-obligation quote.

> Find out more

  • You can make even more long-term savings with energy-efficiency investments
  • And that’s not all. Your home will also be worth more if you sell or let it later.

A renovation loan doesn't involve taking out a mortgage, sparing you a trip to a notary-public and saving you money on what can be substantial extra costs.

All you need is proof of investment like a

  • signed invoice or
  • contractor/seller quote

The rate of interest is 3.79%  (4.19% as from 85 months).

The minimum term for a KBC Energy Loan is six months. The maximum term:

  • Follows the statutory repayment terms
  • May not exceed 144 months
  • May not be longer than the economic life of what you're paying for

We will disburse your renovation loan

  • Once we have received the signed documents and proof of investment from you
  • Onto a specified account or joint account in your name

You start making your loan repayments one month after your renovation loan is paid to you. All subsequent monthly repayments will take place on the same day of the month as the initial repayment.

Instalment loan details

See what it costs you

Legal information

Credit type: Instalment loan provided by the lender KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026.256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement.

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