Go to main content
Main
  • People
  • Self-employed professionals and businesses
  • Access Access Access
    Access Access Access
  • Become a customer
  • Menu
    Close
Click enter
Suggestions
    Products
    Home
    • Accounts
      See all accounts
      Online Account for minors
      • Direct deposit paycheck
      • Switch to BBVA
    • Cards
      See all the cards
      Credit cards Debit cards Pre-paid cards
      • We help you choose your card
    • Mortgages
      See all mortgages
      Hipoteca Joven Bring your mortgage
      • Mortgage calculator
      • Mortgage switching calculator
      • Mortgage revision calculator
      • BBVA Valora
    • Loans
      See all loans
      Personal Online Loan
      • Loan Simulator
      • Car loan calculator
      • Loan calculator homeowners' associations
    • Insurance
      See all our insurance policies
      Health insurance Car insurance products Home insurance Life insurance products Travel insurance Motorcycle Insurance
      • Group your insurance policies together
    • Pension plans
      See all pension plans
      Pension Plans Basque Country
      • Pension plan finder
      • Pension plan simulator
      • Tax Relief Calculator
      • Personal income tax deductions
      • Transfer pension plan
    • Mutual funds
    • Deposits
    • Investment portfolios
    • Savings insurance
    • Stock exchange and markets
      Stock exchange and markets
      Investing and trading shares, ETFs and more
    • Cryptoassets
    • Energy space
      See all solutions
      Energy saving Vehicles Owner's associations
    • BBVA Autorenting
    • Private Banking
    Branches and ATMs

    Promotions and offers

    Try out BBVA without being a customer

    Discover the BBVA app

    Individuals Self-employed people and companies
    • Home
    • Accounts
      See all accounts
      Online Account for minors
      • Direct deposit paycheck
      • Switch to BBVA
    • Cards
      See all the cards
      Credit cards Debit cards Pre-paid cards
      • We help you choose your card
    • Mortgages
      See all mortgages
      Hipoteca Joven Bring your mortgage
      • Mortgage calculator
      • Mortgage switching calculator
      • Mortgage revision calculator
      • BBVA Valora
    • Loans
      See all loans
      Personal Online Loan
      • Loan Simulator
      • Car loan calculator
      • Loan calculator homeowners' associations
    • Insurance
      See all our insurance policies
      Health insurance Car insurance products Home insurance Life insurance products Travel insurance Motorcycle Insurance
      • Group your insurance policies together
    • Pension plans
      See all pension plans
      Pension Plans Basque Country
      • Pension plan finder
      • Pension plan simulator
      • Tax Relief Calculator
      • Personal income tax deductions
      • Transfer pension plan
    • Mutual funds
    • Deposits
    • Investment portfolios
    • Savings insurance
    • Stock exchange and markets
      Stock exchange and markets
      Investing and trading shares, ETFs and more
    • Cryptoassets
    • Energy space
      See all solutions
      Energy saving Vehicles Owner's associations
    • BBVA Autorenting
    • Private Banking
    Click enter
    Suggestions

      Experiences

      • Bank Moving Service

        Switch to BBVA and we'll handle all the paperwork for you.

      • Solar panel calculator

        Calculate your savings with solar panels in your home.

      • Sections: if I don't see it, I don't spend it

        Put away money from your main account and save easily.

      • Try out BBVA without being a customer

        Discover the features of the BBVA app without opening an account.

      • Bizum

        Send and receive money from your phone instantly. As easy as sending a message.

      • Mobile payment

        Leave your wallet at home and pay for everything with your cell phone.

      Want to try the BBVA app without being a customer?

      You can add all your banks, make an appointment to speak to an agent, calculate the value of a house and do other day-to-day business. Without being a customer and without commitment. Register in two steps and get to know us little by little.
      More information
      Branches and ATMs
      Promotions and offers
      Try out BBVA without being a customer
      Discover the BBVA app
      Become a customer
      ADVERTISING
      MM/DD/YYYY

      BBVA Energy Efficiency Loan

      Financing with special conditions

      • From $${tinBon}% NIR/$${taeBon}% APR with your paycheck at BBVA.
      • To $${tinNoBon}% NIR/$${taeNoBon}% APR with your paycheck not direct deposited at BBVA.

      With NO commitment fee! Calculate your example and get the financing you need.

      Request it now

      We can help you save on routine energy costs

      From $${tinBon}% NIR/$${taeBon}% APR with paycheck or pension direct deposited at BBVA.

       

      To $${tinNoBon}% NIR/$${taeNoBon}% APR without a paycheck or pension direct deposited at BBVA

      • No commitment fee.
      • Up to €75,000 and a term of 2 to 8 years.
      Calculate

      Do you want to know how much you could save on your bill with solar panels?

      We offer you financing with special conditions for the installation of solar panels.
      Calculate savings

      This example will make it clearer


      • EXAMPLE OF A LOAN WITH PAYCHECK OR PENSION DIRECT DEPOSITED
        • Loan amount: €10,000.
        • Commitment fee: $${openingFeeAmount} €.
        • Repayment period: 8 years (96 months).
        • Constant monthly payment: $${monthValueBon} €.
        • Interest rate: $${tinBon}% NIR/$${taeBon}% APR.
        • Total to repay: $${totalValueBon} €.
        EXAMPLE OF A LOAN WITH NO PAYCHECK OR PENSION DIRECT DEPOSITED
        • Loan amount: €10,000.
        • Commitment fee: $${openingFeeAmount} €.
        • Repayment period: 8 years (96 months).
        • Constant monthly payment: $${monthValueNoBon} €.
        • Interest rate: $${tinNoBon}% NIR/$${taeNoBon}% APR.
        • Total to repay: $${totalValueNoBon} €.

      You can improve the interest rate


      • To be eligible for a discount in the interest rate of the Energy Efficiency Loan, you only need to meet one of these conditions:

        • Direct deposit a paycheck of at least €600.
        • Direct deposit a pension of at least €300.

      What projects can you finance?


      • With this loan, you can make home renovations and purchase devices designed to save energy, helping you consume responsibly and reduce your carbon footprint: 

        • Lighting: The lighting system must be in one of the two highest energy efficiency categories. 

        Check the energy label ratings eligible for a discount at the bottom of this page. 

        • Heating/air-conditioning/ventilation/hot water: All condensation boilers are included, as are HVAC systems, provided that the latter are in one of the two highest energy efficiency categories.    
        • Control and automation: Lighting, HVAC, installation of motion detectors for lighting, and automatically turning installations on and off.
        • Insulation: Improvements to the thermal insulation of the building envelope (façades, roofs, etc.), adding thermal insulation to the existing insulation, or installing windows with two or three panes.    
        • Household appliances: Purchase of large volume appliances (excluding microwave and small appliances); must be in one of the two highest energy efficiency categories.
        • Mobility: Purchase of electric vehicles, plug-in hybrids, installation of charging points for electric vehicles, bicycles (with and without motors) and electric scooters.
        • Solar panels: Installation of solar panels for self-supply.
      micro illustration of a car next to a leaf

      Are you planning to buy or replace an electric or plug-in hybrid vehicle?

      Then the BBVA Eco-Car Loan is for you.
      See car loan

      How much money can I request?


      • From a minimum of €3,000 up to a maximum of €75,000. If you need a smaller amount, you can apply for one of our credit cards. 

      How long do I have to pay it off?


      • You can choose from a minimum period of 2 years up to a maximum period of 8 years, depending on the amount requested. 

      Find out about energy labeling

      The classes with a discounted rate on the loan are the ones specified below
      Your appliance or lighting system or heating/air-conditioning/ventilation/hot water system must be in one of the two highest energy efficiency categories.
      Energy efficiency table

      Apply for your BBVA Energy Efficiency Loan now

      Apply

      Would you like more information?

      The BBVA Energy Efficiency Loan has no commitment fee. However, if you decide to pay back all or part of your loan early, you will have to pay a 0.50% fee if there are less than 12 months left to repay it, and 1% if there are more than 12 months left.

      Yes, to obtain this loan you must have a BBVA account, which is where the money will be deposited and the installments will be charged. If you are not already a client, you can open your account during the process.

      To request this loan, you only need to be a private customer, not a self-employed person or a company, and have an account with BBVA (if you do not have one, you can open it during the application process).

      You will also need to provide a budget or pro-forma invoice to confirm that the loan will be used for a purchase or upgrade intended to improve energy efficiency, as specified in our list of eligible uses. 

      See list

      And in order to be eligible for the interest rate of $${tinBon}% NIR/$${taeBon}% APR, you would need to direct deposit with BBVA a paycheck for a net amount of at least €600 a month, or a pension for a net amount of at least €300 a month. If you decide not to direct deposit your paycheck or pension, the interest rate would be 1 percentage point higher.

      Any home renovations that are intended to make energy consumption more efficient will help you improve its energy rating. Check our list for the home renovation projects you can use the loan for.

      If this happens, late payment interest will be applied. Also, failing to make payments can lead to financial consequences (e.g., forced sale of property) and problems obtaining future loans. 

      BBVA recommends responsible financing. 

      The NIR (Nominal Interest Rate) is what you pay the bank to lend you money. The NIR is usually less than APR and can't be used to compare the cost of different loans, since it only considers the interest rate and not all the costs of the transaction.

      The APR (Annual Percentage Rate) indicates the cost of a financial product, such as a loan, including both the interest and different expenses and fees involved. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

      Yes, this loan offer is valid until 09/30/2025 (subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.).

      Yes, you will have the right to withdraw from the loan contract without incurring a cancellation fee for 14 calendar days from the date you sign. You would only have to pay back the money received and the interest accrued during those days.

      For example: if you apply for a loan of €10,000 with an NIR of 4.80% payable over 8 years (96 months) and decide to cancel it within 14 calendar days, you would have to pay €1.31 for each day that has elapsed.

      You can contact our advisers to resolve any doubts you may have. If you need more information, you can consult this generic document with pre-contractual content and an example: 

      Download document as a PDF

      You might also be interested in

      • Personal Online Loan

        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
        Start calculation
        More information
      • BBVA Environmentally Friendly Car Loan

        Get up to €75,000 to finance your electric or hybrid car, with as much as 8 years to pay it back.
        sustainability iconSustainable product
        Start calculation
        More information
      • Credit

        Después Card

        • Pay back your payments as you wish, all in one month or in installments
        • Robbery insurance
        Apply
        More information

      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      BBVA Energy Efficiency Loan
      Apply
      Offer valid during current month
      1. Loans
      2. Energy Efficiency Loan
      Footer
      • More BBVA

        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • Responsible business
        • BBVA Asset Management
      • The latest

        • BBVA for minors
        • BBVA for young people
        • BBVA for Seniors
        • BBVA for groups
        • Security
        • Podcast
        • Financial Health
      • Calculators and simulators

        • Most popular calculators
        • Elección Account Calculator
        • IBAN calculator
        • Salary calculator
        • Currency exchange
        • Payment of debit entries
      • Utilities

        If you have found a vulnerability in BBVA that you would like to report, please click on this form

        Inheritance Processing

        Blog - Finances at a glance

        Economic dictionary

        Accessibility

        Mortgage debtors without resources - CBP

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Customer care service
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2025