Ireland's lowest loan rate for home energy upgrades*
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 grant, you’re ready to apply.
Do it yourself with our An Post Money Green Loan
2. Apply for a grant
Apply for an SEAI home energy grant and complete Part 1-2a of the SEAI declaration of works document.
4. Complete work and draw down
Complete work within 8 months. Obtain fully completed SEAI declaration of works document to draw down loan.
6. Receive your grant payment
Submit new BER certificate and declaration of works. Timely and complete submissions receive SEAI payment within four weeks.
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Patricia Power explains why insulation is key in Ireland.
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
Check your Eligibility
About your green loan
After tax deductions i.e. take home pay and any other income. Please exclude children's allowance
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Your interest rate and terms of credit will be determined once you have applied for your green loan.
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Our interest rates
||Fixed interest rate
|€5,000 - €9,999
||9.1% - 12.2%
||9.5% - 12.9%
|€10,000 - €19,999
||7.3% - 11.3%
||7.5% - 11.9%
||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.
Watch: What are the most impactful home upgrades?
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
*Lending criteria, terms and conditions apply. Rates and loan terms are correct as of 29 July 2020 and are subject to change. Source: CCPC.ie. 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.