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BOV Personal Financing
Do you need financing? Whether it is to buy a car, a home or finance your studies, we at BOV can help you. Find out how.
BOV ECO Personal Loan

Environmental-friendly financing is possible with the BOV ECO Personal Loan

Terms & Conditions
Apply Now

At Bank of Valletta, we can help you finance the purchase of:

  • environmental-friendly equipment such as solar water heaters, solar lamps, solar collectors and photovoltaic systems
  • products or systems or services which save on electricity consumption including Class 'A' white goods, double glazing, energy audits, residential energy management systems, thermal insulation products and equipment to remove dampness
  • electric or hybrid cars
  • motorcycles
  • new motor vehicles which have a CO2 emission level below 100g/km
  • new motor vehicles which have a CO2 emission level below 130g/km, provided that customer is concurrently scrapping another motor vehicle under the current Government Car Scrappage scheme

We are also considering requests to finance the cost incurred in converting a motor vehicle to run on autogas are also being considered.

The BOV ECO Personal Loan provides affordable, customised solutions designed to help you finance your personal projects whilst safeguarding our environment.

Amount borrowed 

The BOV ECO Personal Loan requires no security and can be used for purchases between €500 and €40,000. The loan is repayable by monthly instalments, and the amount you pay every month is determined by 
  • the sum you borrow,
  • the selected term and
  • the applicable rate of interest.

Repayment Terms

Repayments generally span up to a maximum period of 7 years in line with the amount of the loan and the expected life span of the equipment. Loans to finance eco friendly motor vehicles (including motor cycles) may be extended to 8 years, whilst loans to finance photo-voltaic systems and other energy generating products may be extended up to a term of 10 years.

The loan will be repaid by monthly instalments which will be inclusive of interest. Should you decide to repay the loan before the stipulated term, whether in one lump sum or by increasing your monthly instalments, no penalties or additional fees apply.

Processing Fees

No processing fees apply. There are no hidden fees and no extra costs.

Qualifying for the Loan

To apply for the BOV ECO Personal Loan, we require that:
  • you are over 18 years of age, and 
  • in regular full-time employment
If you answer ‘yes’ to both questions, you may fill in our online application here or visit the BOV Branch of your choice, where our representatives will be happy to assist you.

To apply for the BOV Personal ECO Loan, you will require:
  • your I.D. Card,
  • evidence of income - FS3 or Profit & Loss Account together with the Inland Revenue income and self-assessment form submitted to the Inland Revenue,
  • proforma invoice of the asset being financed by the BOV Eco Personal Loan
  • evidence of CO2 emission level and/or application to scrap existing motor vehicle (where applicable)

The BOV ECO Personal Loan makes green financing pay. We offer you:
  • An unsecured facility for €500 to €40,000 – no down payment required
  • No processing fees
  • Repayment period of up to 10 years in line with amount of loan and expected life-span of equipment, provided that loan is repaid prior to legal retirement age
  • Full finance
  • Fast processing of your application
Pay off the loan at any time, without incurring any early repayment fee. Administer and monitor your account by means of:
  •  Direct Credit of your salary/income, and/or
  •  BOV 24X7 Service
  • Free Life Cover (terms and conditions apply)

The BOV ECO Personal Loan is not currently subject to a processing fee. There are no hidden fees and no extra costs.

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If you require more details about this product, you may:

  • Call our Customer Service Centre on 356 2131 2020
  • Send us an e-mail at
  • Click on the ‘Get in Touch’ icon on the right hand side of the screen. Then submit your query and contact details. We shall contact you as soon as possible
  • Visit the BOV Branch of your choice.
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BOV Eco Personal Loan - Product Information Guide
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).