Personal Loan

A loan that is personal but works for everyone.

It may sound like a contradiction, but it isn’t. A loan that’s tailored to each individual goal and project, yet adapts to everyone.

Personal Health Education Energy Transition Car

The energy you need to renew your home.

Access a loan with a reduced interest rate that supports the purchase of equipment for renewable energy production and other energy‑efficiency improvements, with the goal of making your home more sustainable.
Simulate

Financing up to 100%.

Get financing with repayment terms from 36 to 96 months and amounts ranging from 2,000 to 10,000 euros.

 

APR from 8.1%.

 

Check our financing examples.

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Personal Loan Contest

Don’t spread it, own it.

By taking out a Personal Loan, you’ll have the chance to win a Renault 4 E‑Tech Electric.
Learn more

How to enter.

Just take out a Personal Loan through Banco Montepio between March 31 and May 18, 2026.

Insurance for your loan

Sustainable payments.

Ensure the sustainability of your loan, with a fixed interest rate and fixed payment amount throughout the entire loan term.
Learn about Insurance for Your Loan

Got questions? We’ve got the answers.

What is the Energy Transition Loan?

It is a loan intended for the purchase and installation of Energy Transition equipment and other energy‑efficiency improvements in the home (such as solar panels, heat pumps, and efficient climate‑control systems).

 

For this purpose, Banco Montepio acts in the capacity of the Lender.

What types of equipment are eligible?

The Energy Transition Loan covers the following equipment:

 

· Windows: energy class “A” or higher
· Fixed air‑conditioning units: minimum energy class A++ in cooling or minimum energy class A++ in heating (orange)
· Heat pump for domestic hot water and/or space heating: energy class A
· Electric water heater: hot‑water storage heater
· Systems with solar collector and attached tank without built‑in electric resistance: solar thermal (including auxiliary equipment) – thermosiphon
· Systems with solar collector and attached tank with built‑in electric resistance: solar thermal (including auxiliary equipment) – thermosiphon with electric resistance
· Systems with solar collector, insulated tank, expansion vessels, and circulation group: solar thermal (including auxiliary equipment) – forced‑circulation system
· Systems with heat pump, solar collector, insulated tank, expansion vessels, and circulation group: solar thermal (including auxiliary support) – forced‑circulation system with heat‑pump backup
· Photovoltaic solar system (Solar panels + Inverter(s) + Structure + Connection and protection equipment, including auxiliary devices)
· Energy‑storage system (must be integrated with a photovoltaic solar system with hybrid inverter): battery storage
· Biomass equipment for domestic hot water and/or space heating (minimum energy class A+): biomass boilers, including auxiliary equipment
· Biomass stoves/wood‑burning units (minimum energy class A+): biomass heat‑recovery units
· Individual electric‑vehicle chargers in single‑family homes

And is the installation of this equipment included?
Yes, the installation or works related to equipment that improve energy efficiency are included in the Energy Transition Loan.
What loan amounts can I request?

You can apply for an Energy Transition Loan between €2,000 and €10,000, and if it is for micro‑generation of energy, the maximum amount is €30,000.

 

APR from 8.1%.

 

Check our financing examples.

And for how long?

The term of the Energy Transition Loan ranges from 36 to 96 months, allowing you to adjust the instalment to your monthly budget.

 

APR from 8.1%.

 

Check our financing examples.

Do I need to present equipment estimates to apply for the loan?
Yes, for the Energy Transition Loan it is necessary to present a document proving the expenses to be incurred.
What are the advantages of an Energy Transition Loan compared to a traditional Personal Loan?

The rate is also fixed, but it is lower.

 

Can the costs be financed?
Yes, the expenses associated with signing the contract (insurance, fees, taxes) can be included in the Energy Transition Loan amount.
Is insurance required?
Yes, life insurance is mandatory for the Energy Transition Loan and can be included in the financing.
Where can I get the life insurance?
You can take out the life insurance for the Energy Transition Loan with Lusitania Vida or with another insurer of your choice, as long as the insurance contract provides a level of coverage equivalent to the one proposed by the lender (the Bank).
What guarantees are accepted?
The guarantees accepted for the Energy Transition Loan are a guarantor, surety, or the pledge of deposits or financial investments.
Can I only request the loan at a Branch?
You can start the process online. The simulation is digital, but the final application for your Energy Transition Loan must be completed at the Branch.
How long does the approval and availability of the financing take?
If approved, your Energy Transition Loan will be made available within up to 5 business days.
Are there any associated fees?
Yes. The fees associated with the Energy Transition Loan are outlined in the current price list.
Can I repay my loan early?
You can repay your Energy Transition Loan before the end of the term, with a fee of 0.25% applied to the amount repaid early (≤1 year) or 0.5% (>1 year).
What is an APR?
APR stands for “Annual Percentage Rate”. This value represents the total cost of the loan, which includes the Nominal Annual Rate (NAR) and all fees and charges associated with the Energy Transition Loan.
What is the MTIC?
MTIC stands for “Total Amount Charged to the Consumer”. This value represents the total amount the customer will pay, which includes the borrowed amount (principal), interest, bank fees, taxes, and mandatory insurance associated with the Energy Transition Loan.

Because sustainable energy starts with the right choice.

Simulate online and discover the solution that suits you best.
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