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Green loan comparison

Rates as of 1 Oct 2026 · 8 banks

A monthly snapshot. The live comparison, updated daily, is on the Slovenian page.

Compare green (eco) loan offers from Slovenian banks - for an energy renovation, a heat pump, solar panels, an electric vehicle and similar investments. Below are separate comparisons for green home loans (mortgage-secured) and green consumer loans. Results are informational and may change over time. Data currently covers 8 banks.

Green home loans

Purpose-bound home loans with a reduced interest rate for energy-efficient investments (renovation, heat pump, solar). The table updates as you change the amount, term and rate type (LTV 75%, existing customer). For more settings (LTV, EURIBOR stress test, appraisal) open the mortgage comparison ».

Bank:
Lowest APR
3.25%
Monthly payment
€709.16
Total repayment
€127,648.58
APR
3.44%
Conditions
Existing customer
Secured by a mortgage on the financed property
Go to the bank
3.30%
Monthly payment
€711.09
Total repayment
€127,996.45
APR
3.48%†
Conditions
Existing customer+ insurance
Secured by a mortgage on the financed property, with Vita life insurance assigned to NLB
Go to the bank
3.25%°
Monthly payment
€711.17
Total repayment
€128,010.38
APR
3.48%
Conditions
Existing customerindicative rate
Secured by a mortgage on the financed property
Go to the bank
3.20%
Monthly payment
€708.94
Total repayment
€128,109.42
APR
3.51%†
Conditions
Existing customer+ insurance
Secured by a mortgage on the financed property
Go to the bank
3.60%
Monthly payment
€722.99
Total repayment
€130,738.81
APR
3.82%
Conditions
Existing customer
Secured by a mortgage on the financed property
Go to the bank
4.00%
Monthly payment
€747.29
Total repayment
€135,311.83
APR
4.36%
Conditions
Existing customer
Secured by a mortgage on the financed property
Go to the bank
OTP banka
No offer for the selected criteria

° indicative rate – published by the bank as a lower bound; the final rate depends on your credit rating and loan-to-value

† APR excludes the insurance premium, which the bank doesn't publish (it depends on the borrower) - the actual APR is higher.

Currently covering 7 banks with a green home loan - the list is expanding.

Green consumer loans

Purpose-bound consumer loans (no mortgage) for smaller eco investments. Adjust the amount, term and other parameters below.

Advanced settings
Bank:
Lowest APR
1.20%
Monthly payment
€175.55
Total repayment
€10,683.00
APR
2.70%†
Conditions
+ insurance
Javni poziv 87OB26. Fixed 1.2% for the whole term, €1500 to €100,000, up to 10 years (20 for a comprehensive renovation or a nearly zero-energy house). Approval fee 1.5% (min €40, max €175), administration €45 a year (€35 for a loan up to €4,000), loan insurance 0.83% to 1.68%. Apply to Eko sklad first; the loan is then signed with Banka Intesa Sanpaolo. For environmental investments only.
Go to the bank
4.49%
Monthly payment
€186.38
Total repayment
€11,183.08
APR
4.58%
Conditions
No approval or administration fees. Purpose loan (purchase from an NLB partner or a green investment).
Go to the bank
4.90%
Monthly payment
€188.25
Total repayment
€11,295.27
APR
5.01%
Conditions
Fixed rate whatever the term or amount (6-84 months, €1,000-40,000), no approval or administration fees. Matches the official example on sparkasse.si (€35,000 / 84 months -> 4.90%).
Go to the bank
3.80%
Monthly payment
€187.16
Total repayment
€11,379.84
APR
5.41%†
Conditions
+ insurance
Fixed annual rate, -0.10 pp with life or unemployment / accident / disability insurance assigned to the lender. Approval fee 1.50% (min €50); the insurance premium is not included in the APR. Purpose loan for energy efficiency or an EV, no mortgage.
Go to the bank
5.95%
Monthly payment
€196.20
Total repayment
€11,771.74
APR
6.82%
Conditions
Sustainable consumer loan: 0.40 pp below Kredit Naprej for non-customers. Term limited to 83 months.
Go to the bank
4.50%
Monthly payment
€194.03
Total repayment
€11,791.81
APR
7.00%
Conditions
Existing customer
Fixed rate, 1.0 pp below the consumer loan. Purpose loan (energy efficiency). For customers with a LON current account receiving salary or pension.
Go to the bank
5.10%
Monthly payment
€197.67
Total repayment
€11,860.25
APR
7.15%
Conditions
Existing customer
Fixed rate for existing customers. Loan administration €5.50 a month, no approval fee.
Go to the bank

† APR excludes the insurance premium, which the bank doesn't publish (it depends on the borrower) - the actual APR is higher.

Get a bank offer
Note: the rate shown is the bank's nominal annual rate for the selected rate type and customer status - including time-limited promotional offers, marked with a "Promo" badge. APR is calculated from the nominal rate plus published one-time and monthly costs; where a bank doesn't publish its approval fee, APR may be slightly understated. The monthly payment includes the loan administration fee, and the total repayment includes all payments plus one-time and monthly fees. For offers that require being an existing customer we also add the bank's cheapest account any adult can open (a current account receiving your salary is usually enough to count as a customer); it is included in the monthly payment, total repayment and APR. Account fees are taken from the Bank of Slovenia's fee comparison.
A bank with no matching offer for the selected combination (amount, term, rate type, status) is marked "No offer for the selected criteria". A value the bank doesn't publish is shown as -.
Sources: banks' official websites or PDF rate sheets. This English page shows a monthly snapshot taken on 1 Oct 2026, collected automatically from these sources with no manual entry; the Slovenian page is refreshed every morning. More about the process in the methodology. We're gradually expanding coverage - currently 8 banks.
The exception is the Eko sklad loan: it is not a bank product, so we copy its terms by hand from public call 87OB26 (last checked: 27 Oct 2026). Before applying, check that the call is still open and that your investment qualifies. Terms, costs and a worked example are in our article on the Eko sklad loan.
For corrections or a source takedown request, email info@finportal.si.
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Check if you can afford the green loan

A quick estimate based on the currently cheapest offer above (given your chosen filters) and your income. For a more precise calculation, use the full credit capacity calculator.

Open in the full credit capacity calculator →
Affordability rating –
Payment / income –
–
Estimated credit capacity: –

Frequently asked questions

Frequently asked questions about green loans 5

What counts as a green loan?
A green loan is a purpose-restricted loan for financing environmentally friendly investments - for example an energy renovation, solar panels, a heat pump, or an electric vehicle. Banks offer it as a green home loan (mortgage-secured, for larger property investments) or a green consumer loan (unsecured, for smaller investments). The eligible purposes and the proof required vary by bank - check the terms with your chosen bank.
How does the green loan comparison calculate the monthly payment?
The comparison uses each bank's publicly published nominal interest rate for the selected rate type and existing-customer status, then calculates the annuity payment from that rate, the amount and the term. Results are informational and may change.
Why is a lower interest rate shown for existing customers?
Banks often offer a better rate to customers who have a transaction account with them receiving a salary or pension, sometimes combined with additional (life) insurance. If you don't meet those conditions, untick "existing customer" and the comparison shows only offers without that requirement.
What does APR mean for a green loan?
APR (annual percentage rate) folds the nominal interest rate together with all one-time and monthly loan costs into a single annual figure, making it a more accurate measure of the loan's total cost than the nominal rate alone.
Is the green loan comparison financial advice or a binding offer?
No. The comparison is informational and is not financial advice or a binding offer. The actual interest rate also depends on the borrower's creditworthiness and the bank's assessment - always check current terms with the bank before taking out a loan.

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