Make it real

and borrow €20,000 for less than €395 a month over 5 years

If you are upgrading your homes energy efficiency you may be able to avail of a lower interest rate with our Green home improvement loan. Please visit our Green Home Improvement loan page for details on how to apply here 1

Apply Online

Key Features

  • Variable rates from 6.8% APR 12

  • Amounts from €2,000 - €65,000

  • Loan terms from 1 to 7 years

  • Flexible repayment options – clear your loan early and pay less interest

  • Option to defer first 3 months’ repayments3

  • No need to hold any savings against your loan

  • Apply online in 15 minutes4 (existing 365 online registered customers)

Apply Online
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.

Work being undertaken must include one of the below to qualify for an Green home improvement loan:

- Renewable Energy Upgrade (e.g. solar panels)

- Attic/Floor/Wall Insulation

- Pipe Insulation

- Sustainable water/heating systems

- Boiler Upgrade

- Installation of energy efficient controls in the home

- Door/Window Replacement

- Deep retrofit (e.g. as part of the SEAI Deep Retrofit grant)


APR stands for Annual Percentage Rate.

Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. Only banking 365 online registered customers can apply online.

The repayments on a personal loan of €20,000 over 5 years with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20.

Variable rates are correct as at 30th June 2022 and are subject to change.


By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the outset.


15 minutes refers to completed online personal loan applications by Bank of Ireland current account holders.

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