Sustainable living made easy

Enjoy a warmer more cost efficient home. Improve your energy efficiency, save on bills and help the environment with a home energy upgrade or an electric car.

SBCI Home Energy Upgrade Loan Scheme Electric Car Loan

Go green with An Post

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Transform your home

The Home Energy Upgrade Loan Scheme has been established by the Strategic Banking Corporation of Ireland (SBCI) to make energy efficiency upgrades more accessible and affordable for eligible homeowners. Low-cost loans from 3.75% APR over €20,000, borrow from €5,000 to €75,000.

Get a home energy upgrade loan
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Buy an electric car

Apply for Ireland’s lowest fixed rate loan for new electric cars, make your transition to an electric car today with loans from 6.9% APR over €20k.

Get an electric car loan

How can you go green?

Click on the hotspots to find out how to enjoy a warmer home, electric car and reduce your energy costs.

SBCI Home Energy Upgrade Loan Scheme
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Home energy upgrade loan repayments

€ €
 year

Repayments on a loan of over would be

€ per month
Fixed interest rate from % APR
Total amount repayable €

Ready to move on?

Our interest rates

Loans fromFixed interest rateAPR
€5,000 - €9,9997.00%7.20%
€10,000 - €19,9995.70%5.90%
€20,000+3.69%3.75%

Handy representative example for you:
On a €20,000 loan over 5 years, at a fixed rate of 3.69% (Annual Percentage Rate (APR) 3.75%) you will pay €365.54 a month. The total cost of credit would be €1,932.35 and the total amount repayable would be €21,932.35.

 

Green Top Tips

 

  • Check out our top tips on how to improve your home energy efficiency, save on bills and help the environment.

Read more

Home energy grants

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

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

Information correct as at 30th June 2025. Source: CCPC.ie. Lending criteria, T&Cs apply. Rate is dependent on your financial profile and credit history. The interest rate on your loan has been reduced in part, due to a 2% per annum subsidy paid to Avant Money by the government through the SBCI scheme. The subsidy is paid as long as you continue to qualify for this loan as outlined in the terms and conditions.

An Post acts as a credit intermediary on behalf of Bankinter S.A., who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC.
Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.