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:

• Repayment periods on your terms
• A fully online, simple application
• Quick loan approval in principle
• Money in your account as soon as next business day
• No hidden fees, set-up or early repayment charges
• Award-winning customer service based in Ireland

Find our lowest rate loans

What loans does An Post Money offer?

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

1. Personal loans for any purpose
2. Green loans for home energy upgrades and electric cars

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 use an An Post loan for almost any purpose, including:

• buying a car
• holidays
• weddings
• refinancing
• dental or medical work

Loan terms are capped at 2 years for a holiday loan.

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 completed the works or are used for rental purposes. The full terms and conditions are available at An Post.

Compare home improvement loans

Electric car loans

Enjoy a new electric car or plug-in hybrid with a competitive loan and SEAI grant.

A Post makes it affordable and straightforward to drive an electric car

All you need to do is:

1. Check out grant-eligible electric cars available in Ireland
2. Choose your make and model
3. Visit car dealers and get quotes for comparison
4. Apply online for your An Post Money Electric Car Loan

About An Post Money

An Post Money provides 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.

An Post acts as a credit intermediary on behalf of Avantcard DAC and is authorised as a credit intermediary by The Competition and Consumer Protection Commission. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.