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Ireland's lowest loan rate for home energy improvement loans*

We’ll help you pay for your home energy upgrade - borrow €5,000 to €75,000 for up to ten years. If you’re getting your home upgraded and using an SEAI home energy improvement grant, you’re ready to apply.

An Post Money green loan & SEAI home energy grant

1. Find a building contractor

Find an SEAI registered contractor and agree scope of works. For a heat pump consult an advisor first.

2. Apply for a grant

Apply for an SEAI home energy grant and complete Part 1-2a of the SEAI declaration of works document.

3. Apply for a loan

Apply online for your An Post Money Green Loan for €5,000 - €75,000. Approval is valid for 12 months*.

4. Complete work and draw down

Complete work within 8 months. Obtain fully completed SEAI declaration of works document to draw down loan.

5. Conduct BER assessment

Have an SEAI registered Building Energy Rating (BER) assessor certify your improved home energy performance.

6. Receive your grant payment

Submit new BER certificate and declaration of works. 
Complete submissions receive SEAI payment within four weeks.

Hear from our expert

Patricia Power explains why insulation is key in Ireland.

Watch video

Home energy grants

SEAI, the Sustainable Energy Authority of Ireland, offers a range of grants to help pay for your home energy upgrade.

Green loan checklist


  • ​You will need to provide proof that over 50% of the loan value was used to complete works availing of SEAI Home Energy Grant(s).
  • The SEAI Declaration of Works document will be required to finalise your loan.

    If you require funding before your works commence or are not availing of SEAI Home Energy Grants, check out our competitive standard Home Improvement loan. 

Calculate green loan repayments


Repayments on a loan of over would be

per month

Green loan interest rates

Loans from Fixed interest rate APR
€5,000 - €9,999 9.1% - 12.2% 9.5% - 12.9%
€10,000 - €19,999 7.3% - 11.3% 7.5% - 11.9%
€20,000+ 4.8% - 10.9% 4.9% - 11.5%

The interest rate you pay is determined by your loan amount, financial profile and credit history once your application has been reviewed.

Things to know

Watch: What are the most impactful home upgrades?

Watch: What are the most impactful home upgrades?

Watch: Upgrade to a heat pump

Watch: Upgrade to a heat pump

More about doing it yourself

More about home energy upgrades

Need help with your home energy upgrade?

Use Ireland’s best home energy upgrade service — our One Stop Shop in partnership with SSE Airtricity.

More about green loans

*Approval valid for 12 months if there is no material change to the information you have provided for this application. Lending criteria, terms and conditions apply. Rates and loan terms are correct as of 29 July 2020 and are subject to change. Source: Rate is dependent on your financial profile and credit history. Maximum APR (Annual Percentage Rate) is 12.9%. Minimum loan term is 1 year and maximum term is 10 years (Green Loan only) On a €20,000 loan over 5 years, at a fixed nominal rate of 4.8% (4.9% APR) you will pay €375.59 a month. Total cost of credit €2,535.69. Total amount repayable €22,535.69.

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Central Bank Compliance

Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland

An Post acts as a credit intermediary on behalf of Avantcard DAC. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC.

Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland. Avantcard DAC is a designated activity company incorporated in Ireland under number 541980 and having its registered office at Dublin Road, Carrick-on-Shannon, Co Leitrim.

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