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Making home improvements?

Our quick application will get you sorted in no time. 

  • Get eligibility approval in seconds with our fully online loan application.
  • Great fixed interest rate, giving you the same repayment each month allowing you to budget with confidence.
  • No set-up or early repayment fees.
  • Borrow from €5,000 up to €75,000 over terms up to 10 years for home improvement loans.
  • Use our handy loan calculator to see how much you can afford.
 

Fully online application process

Applying for a loan is a quick and simple process. If your loan is approved, the funds can be in your account as quickly as the next business day. To apply,  you will need the following:

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Proof of Identity

such as Passport / Driver's Licence

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Proof of Address

such as a utility bill

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Proof of Income

Up to date bank statements are required

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Proof of PPSN

such as recent payslips 

Loan calculator

 year

Repayments on a loan of over would be

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

Our interest rates

Ireland’s lowest rates on home improvement loans from €15,000 to €19,999!*


Get a home improvement loan built around you with our great rates. We will give you the appropriate rate based on your financial profile and credit history once we have reviewed your application. Check out our great rates below.

Loans from Fixed interest rate APR

€25,000+

6.9%-14.8%

€15,000-€24,999

7.0%- 14.4%

7.2%-15.4%

€7,500- €14,999

8.4%-15.4%

8.7%-16.5%

€5,000-€7,499

9.9%-15.4%

10.4%-16.5%

Handy Representative Example for you:
On a €15,000 loan over 5 years, at a fixed rate of 7.0% (7.2% APR (Annual Percentage Rate)) you will pay €297.02 a month. The total cost of credit will be €2,821.08 and the total amount repayable will be €17,821.08*

Save money and go green

Get our special loan rates for home energy upgrades and electric cars.
Improve your comfort at home or on the road - and help the environment.

Visit our Green Hub

Still have questions?

Get answers to some of the most frequently-asked questions about An Post Money Loans or get in touch with our customer service team to help with your application.

Read the FAQs
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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.

*Rates and loan terms are correct as of 13th January 2022 and are subject to change. This is the best open market rate for unsecured loans between €15,000 and €19,999. Source: CCPC.ie. Rate is dependent on your financial profile and credit history. Lending criteria, terms and conditions apply. 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.

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