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Start Energy Transition

Affordable Green Energy Starts Here

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High Loan Amounts — up to €70,000

Whether it’s solar panels, battery storage, or an heat pump, enjoy financing of up to €70,000 to cover your complete home energy upgrade. Benefit from interest rates as low as 6.69% APR, making your green investment affordable.

5X faster than the bank

Experience a 100% online process — from application to approval and contract signing. Get approved up to five times faster than traditional banks, so you can start your energy project without delays.

0% Down Payment & Flexible

Get started with zero upfront payment and choose repayment terms from 1 to 25 years, giving you the flexibility to manage your finances with ease.

Free Early Repayment

Pay off your loan early at any time without penalties — full financial freedom, no hidden charges.

From Application to Installation

1

Accept the Invitation

You will receive a personal invitation link by email.

2

Complete Your Details

Click the link to conveniently enter your personal information and upload your last three payslips in the secure platform.

3

Platform Approval

The platform immediately reviews your details. Once everything is verified, you will receive a confirmation of approval.

4

Confirm the Offer

After the installer enters your tailored quotation into the system,you will be notified by email and can directly sign the installment contract online.

5

Installation Starts

Once the contract is signed, the platform issues the order to the installer. who can begin installing your system right away!

Ready to make the switch?

Apply today and start saving with flexible financing options.

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Frequently Asked Questions

What products are eligible for financing?
You can finance solar panels, battery storage systems, EV chargers, and heat pumps — or a complete LumenHaus home energy package.
What loan amount and term can I choose?
Loan amounts typically range from €1,000 up to €70,000, depending on your project and credit profile.
You can select repayment terms between 1 and 25 years, tailored to your monthly budget.
How long does approval take?
With our fully digital process, approvals can often be completed within 48 hours — significantly faster than traditional banks.
Do you conduct a credit check?
Yes. As part of the loan approval process, a standard creditworthiness assessment (Bonitätsprüfung) is carried out to ensure responsible financing.
You may be asked to provide proof of income, such as the last three payslips or equivalent financial documents.
Will the financing be reported to SCHUFA?
No. Your financing will not be reported to SCHUFA.
What is the interest rate, and is it fixed for the entire term?
Interest rates depend on your individual credit profile and chosen term.
All loans come with a fixed interest rate (APR) for the full contract duration, ensuring full cost transparency and predictable monthly payments.
Is a down payment required?
No — you can start with 0% down payment and finance the entire cost of your system, including installation and accessories.
Can I repay my loan early?
Yes. Early or partial repayment is possible at any time without additional fees.
You have full flexibility to manage your financing as you prefer.
When will my installation start?
Once your loan is approved and the contract is signed digitally, installation will be scheduled immediately with one of our certified LumenHaus installers.
When do I need to make my first repayment?
The first installment is generally due one month after installation and loan activation.
The exact date will be specified in your loan agreement.
Does a land charge arise for the customers?
No, there is no need to register a land charge for end customers. Our installment payment options are designed to provide the fastest and most convenient solution possible for end customers.