The home you dream of,
financed now.
Kitchen, bathroom, insulation, roof, swimming pool… Up to €75,000 over 84 months, fixed APR from 4.50%. Response in principle in 2 minutes, funds within 24 hours.
Simulate your works financing
Indicative simulation · Subject to acceptance
What work
are you going to carry out?
We finance all types of work, with a preferential “green” rate for energy renovations.
Kitchen
Up to €25,000
Bathroom
Up to €20,000
Insulation & Energy
Up to €75,000
Extension and Veranda
Up to €75,000
Living room & Interior
Up to €30,000
Pool & Outdoor
Up to €50,000
Eco-Renovation Rate
from 3.50% APRRénovez écologique,
payez moins cher.
We offer a preferential APR of 3.50% on all energy improvement work. A gesture for the planet and for your budget.
A work loan without
bad surprises.
0 € administration fees
No opening or management fees. The APR displayed is the actual total cost of the credit, no surprises.
Funds paid in one or more installments
For large projects, the funds can be released in installments, depending on the progress of the work.
Guaranteed fixed rate
Your monthly payment will never change. Calculate your finances with certainty as soon as you sign the quote.
Free early repayment
Resell your property before the work is completed? Clear the loan without any penalty with us.
Deadline postponement
If the project falls behind schedule, defer up to 2 monthly payments per year from the application, free of charge.
Can be combined with state aid
MaPrimeRénov', CEE, VAT at 5.5%... The Nexia loan complements your aid, not replaces it.
“With the works loan, you can release the funds in one or more installments depending on the progress of the project. You only pay interest on the amounts actually used.”
Works Ready ServiceHow much does it really cost?
Fixed rate, stable monthly payment, zero hidden fees. Here's what it actually represents.
Full kitchen
4,50 % TAEGComplete renovation
4.50% APRInsulation + Heat pump
3.50% APRNon-contractual representative examples. Fixed APR subject to acceptance of the file. The eco-renovation rate of 3.50% applies to work to improve energy performance with proof. MaPrimeRénov' and other state aid deducted before calculating the amount borrowed. Legal withdrawal period: 14 days.
From quote to funds
in 4 steps.
Simulate online
Enter the amount of your quote and the desired duration. Your monthly payment is displayed in real time, standard or green rate.
Submit your quote
Identity document, proof of income and quote from the craftsman. Everything can be downloaded online in less than 10 minutes.
Agreement in 2 minutes
Immediate response in principle, 24/7. Sign the contract electronically from your phone.
Work begins
The funds are paid within 24 hours into your account or directly to the craftsman. Your construction site can begin.
They transformed
their home.
“Our kitchen was in a deplorable state. €18,000 of work financed in 48 hours. The rate was better than at our usual bank and 0 administration fees, that's honest. »
“Attic insulation + heat pump. With the green rate at 3.50% and MaPrimeRénov', the net cost was halved. My heating bill dropped by 60%. »
“Bathroom completely redone, €9,500. Unblocking in two installments allowed me to only pay for what was actually installed. Perfect for a project in several phases. »
Your questions
about the work loan.
An advisor is available by chat 7 days a week, even in the evening.
Do I need to provide a craftsman's quote to obtain the loan?
Yes, a quote signed by a professional is required for amounts over €10,000. Below this threshold, you can borrow without proof of work. For the eco-renovation rate, the quote must explicitly mention the energy improvement work carried out by an RGE (Recognized Environmental Guarantor) craftsman.
Can I do the work myself (self-construction)?
Yes, for loans less than €10,000, no professional proof is required. For higher amounts, purchases of materials on account from a professional distributor (Leroy Merlin Pro, Point P, etc.) are accepted as alternative supporting documents to the craftsman's quote. On the other hand, the eco-renovation rate absolutely requires an RGE craftsman.
How does the release of funds in installments work?
For projects exceeding €20,000, you can request a progressive release: a first tranche at start-up (up to 50% of the amount) then subsequent installments upon presentation of progress invoices. This option avoids paying interest on amounts not yet used and secures the financing of the project.
Can the Nexia work loan be combined with MaPrimeRénov'?
Absolutely. Nexia encourages you to request all the aid to which you are entitled (MaPrimeRénov', CEE, VAT reduced to 5.5% or 10%, Éco-PTZ under conditions). The amount borrowed corresponds to your remaining liability after deduction of aid. Nexia can help you estimate your rights to aid from your customer area.
What happens if the project costs more than expected?
If you exceed the initial quote, you can request an additional loan from your customer area. If the overall project exceeds the amount initially granted, a new request is processed under the same conditions. In all cases, your advisor can help you adjust the financing as closely as possible to the reality of the project.
Can I finance work carried out abroad?
Yes, under conditions. The property concerned must be your primary or secondary residence and be located in the European Economic Area. The work must be carried out by a local professional and invoices must be in euros or the country's currency. The eco-renovation rate is only available for properties located in mainland France and the overseas departments.
Your home deserves
the best.
Response in 2 minutes · Funds within 24 hours · Green rate available · €0 fees