An Post Money loans

Why get a loan with An Post?

An Post offers fixed, low rate loans that allow you to budget and borrow with confidence.

You’ll also benefit from:

• A fully online, simple application
• Fast loan approval in principle
• Borrow on your terms
• Money in your account as soon as the next business day
• No hidden fees, set-up or early repayment charges

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What loans does An Post Money offer?

An Post Money offers several types of unsecured loans at fixed rates.

1. Personal loans for a range of purposes
2. Home improvement loans
3. Home Energy Upgrade Scheme loans
4. Electric vehicle loans
5. Refinance loans

Personal loans

With an An Post Money personal loan, you can borrow between €5,000 and €75,000 and set your repayment period for up to 7 years. You can repay a personal loan for refinancing over a term of up to 10 years.

An Post loans can be used for almost any purpose, including:

• Buying a car (max 7 years)
• Holidays (2 years)
• Wedding (max 7 years)
• Cosmetic, dental or medical work (max 3 years)
• Funeral expenses (max 3 years)
• Insurance (max 1 year)
• Refinancing (max 10 years)

Home improvement loan

You can borrow from €5,000 up to €75,000 over a term of up to 10 years for loans over €20,000.

Enjoy low fixed interest rates with equal repayment amounts and no set-up or early repayment fees.

Check eligibility and get approval in principle in minutes with an online loan application.

Home Energy Upgrade Loan

The Home Energy Upgrade Loan Scheme, led by the Strategic Banking Corporation of Ireland (SBCI) to make energy upgrades easier and more affordable for homeowners, is now offered by An Post.

Borrow between €5,000 and €75,000 for home energy upgrades and get lower fixed rates, starting at 3.75% APR (Annual Percentage Rate). You can borrow for up to 10 years depending on the loan amount. Up to 25% of the loan can be spent on non-energy related works, for instance redecorating your home.

To qualify you must be the homeowner, the property must be in the Republic of Ireland, and you’ll need to meet the following criteria:

• The home energy upgrade must qualify for a grant from SEAI
• The works must be carried out by either an SEAI registered One Stop Shop, Energy Partner or Community Coordinator
• At least 75% of the loan amount must be spent on eligible measures
• Your home must achieve a minimum 20% uplift on its current building energy performance (BER)

Loans cannot be used to fund projects that have already been completed or are used for rental purposes. The full terms and conditions are available at An Post.

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Electric car loans

Enjoy a new electric car or plug-in hybrid with An Post’s Electric Vehicle Loan.

The EV loan is available for electric vehicles and plug-in hybrids, including second-hand, up to 3 years old. Borrow from €20,000 to €75,000 and repay over 1 to 7 years.

Eligibility criteria for an Electric Vehicle Loan:

• You will need a formal written quotation from a car dealership registered with the Society of the Irish Motor Industry(SIMI)
• The quote must be no greater than 6 months old
• It must include the year the car was registered (a maximum of 3 years old from registration date)
• Private sales do not qualify for the An Post Money Electric Vehicle loan

About An Post Money

An Post Money offers a range of financial services, including savings, credit cards, and foreign currency. All banking services can be managed via one of their 900 community Post Offices.

A Post Money acts as a credit intermediary on behalf of Bankinter S.A., which provides loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC.