Energy renovation personal loan
Borrow €6,500–€40,000 for energy-saving work in a home you own, including a main home, second home or rental property.
Esta oportunidade está atualmente disponível em inglês.
The loan can finance wall, roof, attic and floor insulation; heat pumps or wood heating; high-performance insulating windows; mechanical ventilation; solar thermal or photovoltaic panels; and storage batteries.
Cofidis lends you money that you repay with interest through fixed monthly payments over 1–10 years. The fixed interest rate and monthly payment depend on the amount and term you choose. Use the simulator to see the applicable rate and cost. There is no application fee, and borrower insurance is optional. Cofidis’s consumer loans require no initial deposit; its personal-loan terms allow full or partial early repayment without a fee.
Until 15 November 2026, the advertised fixed annual percentage rate, which expresses the annual cost of borrowing, is 5.50% for loans of €15,500–€30,000 repaid over 96 months. This promotional rate applies to that amount and term combination.
Eligibility
You must own the property where the work takes place. It may be your main home, a second home or a rental property.
Provide work documents in your first and last name covering at least 80% of the borrowed amount. The documented work must include at least one of the listed energy-renovation measures. Cofidis accepts one of the following:
- A signed, dated work quotation that is still valid.
- A signed, dated purchase order less than three months old.
- An invoice less than three months old.
Cofidis must approve your credit application. Professional purposes, property purchases and refinancing existing loans are excluded.
How to apply
- Estado
- Aberto continuamente
- Condições do período de candidaturas
- Applications are subject to Cofidis’s final credit approval.[^c5][^c6]
- The advertised 5.50% fixed APR ends on 15 November 2026 and applies only to €15,500–€30,000 over 96 months.[^c8]
Start with the simulator and online request on Cofidis’s energy-renovation loan page. An initial response is provisional. Sign electronically and upload the requested documents, or return a completed, dated and signed paper contract with the documents. Cofidis assesses the completed application before giving final approval; electronic applicants receive the final decision by email.
You have 14 calendar days after signing to withdraw. To use this right, complete and sign the withdrawal form supplied with the loan offer and send it by registered post with acknowledgement of receipt. Cofidis advertises a transfer of funds within 48 hours, subject to approval and only after the statutory withdrawal period has ended.