Croix, January 13, 2026
MaPrimeRénov’ Portal Suspended, 2026 Funding Uncertain: as energy renovation grants decrease, French households now need alternative financing solutions for their projects. In response, Groupe BPCE, Oney—Europe’s leading bank in payment solutions, consumer financing, insurance, and fraud prevention—and Effy Renov—a subsidiary of France’s top energy renovation company, specializing in ready-to-use projects— have joined forces to simplify access to zero-interest loans (eco-PTZ) and provide households with a clear, accessible financing solution for their projects.
A National Challenge Facing Persistent Barriers
With 4.8 million homes classified as “thermal sieves” and residential buildings accounting for 43% of national energy consumption, accelerating home renovations is an absolute priority. Yet, French households face numerous obstacles:
- According to the 2025 Better Consumption Barometer (Oney x CSA), 69% of French people cite financial constraints as a barrier.
- The complexity of multiple grants and procedures can be discouraging. A 2024 ISO study found that 8% of delays in renovation projects are due to the difficulty of obtaining state aid.
- Lack of awareness and fear of scams are also significant barriers. Only 17% of homeowners are well-informed about financing options, and 85% fear fraud.
An Integrated Solution: a complete path to sustainable housing
To overcome these challenges, Groupe BPCE, Oney, and Effy have designed a fully integrated customer journey:
- Expert, End-to-End Support: From Technical Advice to Financing Effy guides households by assessing the most suitable and efficient renovation works for their homes while simplifying access to financing. This includes simulating available grants (MaPrimeRénov’, Effy bonuses, local aid) and tailoring solutions. Recognizing that out-of-pocket expenses are almost inevitable—even with maximum grants—Groupe BPCE and Oney have exclusively integrated the Zero-Interest Eco-Loan (eco-PTZ) into Effy’s financing process. This loan covers up to €50,000 in interest-free financing, supplemented if needed by a dedicated loan of up to €75,000, with flexible terms (24 to 180 months).
- Unprecedented Digital Simplification The entire process—from securing grants to finalizing financing—is managed centrally and 100% digitally, with real-time tracking.
- Security and Peace of Mind This integration not only shortens processing times (to an average of 5 days, compared to over 2 months previously) but also ensures secure payment upon completion of the works, providing essential reassurance for homeowners.
“We know that energy renovation is a necessity, but it can feel like climbing a mountain for many French people,” says Julien Cailleau, Deputy CEO of Oney. “With Effy, our goal is to turn that mountain into a clear, safe, and accessible path. This partnership reflects our commitment to financing the energy transition and taking concrete action for a more sustainable future.”
“Grants for energy renovation are decreasing, and we must adapt,” emphasizes Frédéric Utzmann, President of Effy. “Our commitment remains steadfast: to find solutions that help French households complete their renovation projects. Today, this means offering a new financing solution. Thanks to our partnership with BPCE and Oney, we handle the eco-PTZ application process as part of our support. Fewer steps for families, and faster timelines to move forward with confidence in their projects.”
Concrete Impact for Energy Transition
The alliance between Groupe BPCE, Oney, and Effy supports French households in their energy renovation projects—a critical issue, as 73% of homeowners report that the availability of financing solutions encouraged them to start their works. This partnership aligns with national objectives to accelerate home renovations and Groupe BPCE’s impact strategy.
| The Eco-PTZ: A Discreet but Highly Effective Financing Tool for Energy Renovation While the eco-PTZ is the oldest energy renovation financing scheme, it remains relatively unknown compared to other incentives such as the 5.5% VAT rate, MaPrimeRénov’, or Effy bonuses (CEE). Eligibility for the eco-PTZ extends to all homeowners, landlords, or occupants, regardless of income, provided their property: – Is their primary residence – Was built more than 2 years ago In 2024, eco-PTZ distributions increased by over 7% compared to 2023, with more than 112,000 loans granted by banks—93% of which were for single-family homes. Overall, this financing represented nearly €1.7 billion lent last year to cover the remaining costs of energy renovation works. For 2025, the government has set a target of 130,000 eco-PTZ loans. However, this goal may be at risk due to the decline in single-measure renovations observed in the first half of 2025 and the suspension of the major renovation grant portal from June 23 to September 30. |
About Groupe BPCE
Groupe BPCE is France’s second-largest banking group and the fourth-largest in the Eurozone by equity. With 100,000 employees, it serves 35 million customers worldwide—individuals, professionals, businesses, investors, and local authorities. It operates in retail banking and insurance in France through its Banque Populaire and Caisse d’Epargne networks, as well as Banque Palatine and Oney. Globally, it deploys asset and wealth management through Natixis Investment Managers and corporate banking through Natixis Corporate & Investment Banking. The Group’s financial strength is recognized by four financial rating agencies with the following long-term senior preferred ratings: Moody’s (A1, negative outlook), Standard & Poor’s (A+, stable outlook), Fitch (A+, stable outlook), and R&I (A+, stable outlook).
About Oney
Oney is a unique bank, born from retail. A partner in the transformation of commerce for over 40 years, Oney designs payment, consumer financing, insurance, and fraud prevention solutions. As the creator of installment payments in 2008, Oney is the French leader in Buy Now Pay Later (BNPL). A strategic ally to over 37,000 merchants, Oney supports the purchases and projects of more than 8.6 million customers across Europe, offering simple, fast, and digital shopping experiences. Every day, our 1,900 employees in 10 countries embody the ambition to be a more human and responsible bank, a major player in European consumer financing.
With the support of its two shareholders, BPCE (50.1%) and ELO (formerly Auchan Holding, 49.9%), Oney combines the best of banking and retail. Within Groupe BPCE, Oney operates as part of BPCE Digital & Payments, a hub for expertise in payments, digital, and data.
For more information: www.oney.com Follow Oney’s latest news: LinkedIn
About Effy
Effy is the specialist in home energy efficiency. For over 17 years, we have supported homeowners in transforming their houses into comfortable, economical, and sustainable homes. With recognized expertise, tailored solutions, and a network of over 5,000 committed craftsmen, Effy is a key player in energy renovation in France. Our mission: to advance energy progress, home by home, to build a more responsible and happier future.
Press Contacts
ONEY – Burson Agency Dounia Tidjini – oney.presse@bursonglobal.com – +33 6 29 76 07 59
Effy – CorioLink Agency Loréane Cabezuelo – +33 7 86 80 45 26 – loreane.cabezuelo@coriolink.com Urielle Dutartre – +33 6 62 82 71 62 – urielle.dutartre@coriolink.com
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