Apply for a home improvement loan now
Our quick application will get you sorted in no time.
- Check eligibility in seconds
- Get approval in principle in minutes with our fully online loan application
- Low fixed interest rates - budget with confidence, with equal repayment amounts
- 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
- See how much you can afford using our loan calculator
Fully online application process
Applying for a home improvement 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 to upload the following to the Document Hub:
Proof of Identity
such as Passport / Driver's Licence
Proof of Address and Income
such as a utility bill and up to date bank statement
Proof of PPSN
such as recent payslips
Ready to apply?
Apply online or call our dedicated team on 01 9456715 (8am - 8pm Monday to Friday, and 8am - 2pm Saturday excluding Bank Holidays).
Looking for a small loan?
If you’re looking to borrow less than €5,000 why not apply for one of our An Post Money Credit Cards. Choose between Classic and Flex and avail of our great features.
Apply for a Credit Card
Apply for a Credit Card
Our home improvement loan interest rates
|Fixed interest rate
€20,000 - €75,000
7.3% - 15.7%
7.5% - 16.9%
€5,000 - €19,999
8.6% - 15.9%
8.9% - 17.1%
Handy Representative Example for you:
On a €20,000 loan over 5 years, at a fixed rate of 7.3% (7.5% APR) you will pay €398.86 a month. The total cost of credit would be €3,931.65 and the total amount repayable would be €23,931.65.
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.
Still have questions?
Get answers to some of the most frequently-asked questions about our home improvement loans or get in touch with our customer service team to help with your application.
Read the FAQs
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.
*Information correct as of 16th February 2023. Lending criteria, T&Cs apply. Rate is dependent on your financial profile and credit history.
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 who provide loan and credit card services and facilities. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.