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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.

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.

Green Hub Top Tips


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

Things to know

More about green loans

More about home energy upgrades

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, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

*Approval is valid for 12 months if there is no material change to the information you have provided for this application. Information correct as at 13 November 2023. Source: Lending criteria, T&Cs apply. 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. 

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