Home Energy Upgrade Loan Scheme

Looking to improve the Building Energy Rating (BER) of your home with a lower cost loan? The Home Energy Upgrade Loan Scheme, alongside a Sustainable Energy Authority of Ireland (SEAI) grant, could be the answer.

Apply online Check our retrofit tool

Rates

Borrow between €5,000 and €75,000 over 1 to 10 years on a variable rate of 3% Annual Percentage Rate (APR).

Illustrative example: The repayments on a Home Energy Upgrade Loan Scheme of €20,000 over 5 years with 60 monthly instalments are €358.87 per month at 2.95% variable (Annual Percentage Rate of Charge (APRC) 3.0%). The total cost of credit is €1,532.20. Variable rates are correct as at 5 February 2025 and are subject to change. Lending criteria, terms and conditions apply.

Personal lending interest rates

Here are the reference rates we apply to new business personal lending. These rates apply from 17th July 2019 until further notice.

VI 0.25%

The interest rate we charge for a loan may include a margin plus the reference rate. Your credit agreement shows you details of the type of interest rate we charge for your loan.

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.
Warning: The cost of your monthly repayments may increase.




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