Hassle-free Green Loans That Work For You

Heritage Credit Union Green Loans

Looking to make your home more energy-efficient or drive electric? Our Credit Union Green Loans are designed to help you make eco-friendly choices - without the high costs. Whether you’re upgrading your heating system, investing in solar panels, or switching to an electric vehicle, we can help you finance it responsibly.

Loan Calculator

Eligible Green Projects

Green Loans for Home Improvements

Reduce your energy bills and carbon footprint with a Green Home Loan from Heritage Credit Union.

Eligible upgrades include:

  • Home insulation (attic, wall, floor)
  • Solar panels and solar water heating systems
  • Heat pumps and energy-efficient boilers
  • Window and door upgrades
  • BER improvement works
  • Heating controls and smart thermostats
Heritage Credit Union - Green Loans for Home Improvements
heritage credit union - green loans for electric vehicles

Green Loans for Electric Cars

Ready to make the switch to electric? We offer affordable electric car loans with flexible terms to help you finance your next EV.

Use your Green Car Loan to:

  • Buy a new or used electric vehicle (EV)
  • Finance a plug-in hybrid
  • Cover the cost of a home EV charger installation

Our electric car finance options are straightforward, with no hidden fees. Whether you're buying from a dealer or a private seller, we’ve got you covered.

Green Loans for Other Eligible Projects

Our green loans aren’t limited to just homes and cars. If your project helps the environment, talk to us - our team will assess your application based on the positive impact and your ability to repay.

Whether you're applying for a green home loan, electric car loan, or any kind of eco loan, we’re here to help you take the next step toward a more sustainable future.

heritage credit union - green loans for other projects

No BER Cert? No Grant Approval? No Hassle!

Now applicable for both green home improvements and the purchase of hybrid or electric vehicles, this loan is tailored to help a wider range of members to reduce their energy bills and invest in sustainability.

Flexible Terms:
Offering up to 10 years for home improvements and 7 years for green vehicle purchases, our terms are designed to fit your financial situation, subject to our lending team's discretion.

Simplified Qualifying Criteria:

  • We've streamlined the process to make it easier for you to qualify:
  • No need to have a BER Cert or to have grant approval.
  • Invoices or quotes for renovations or purchases vary by loan amount, enhancing flexibility while ensuring loans serve green purposes.

Loan Features:
Competitive Interest Rates: Benefit from attractive rates that make going green an easy decision.

Loan Amounts:
Flexible borrowing options from €1,000 to €150,000.

Quick Approval Process:
As one of Dublin’s trusted green lenders, we are making our green loans simpler and more impactful, with competitive terms that benefit our members. We provide efficient loan decisions to help you start your projects sooner.

Calculate your Repayments

Try out our loan calculator

Maximum Loan Amount :
Maximum Loan Term :


Required Loan Term

Repayment Frequency
APR
6.11%
# Repayments
Total
Total Cost
APR
6.11%
# Repayments
Total
Total Cost
APR
6.11%
# Repayments
Total
Total Cost
APR
6.11%
# Repayments
Total
Total Cost

Green Loan

Representative Example

A representative example is a term used in financial regulations. The example will help to show you the typical costs associated with a loan for a certain amount.

Loan Amount

€10,000

Rate of interest - APR

7.8%

Loan Term

5 years

Total interest

€1,992

Weekly Repayment

€46

Total Cost of Credit

€11,992

Loan Application Process

Step

1

Confirm Eligibility

Confirm Eligibility

Review the loan requirements and ensure you meet the new simplified criteria.

Step

2

Prepare Your Documentation

Prepare Your Documentation

Depending on your loan amount, gather bank statements, pay slips, and necessary quotes or invoices.

Step

3

Apply Online or In-Branch

Apply Online or In-Branch

Submit your application through our secure online portal or visit us in person for assistance.

Step

4

Receive Fast, Personalised Feedback

Receive Fast, Personalised Feedback

Our lending team will review your application and provide a personalized response, guiding you through the next steps.

The Benefits of Borrowing from Us

Our loans are based on your ability to repay and not how long you are a member or how much you have in savings with us

Interest is on your reducing balance, so you pay less interest with each repayment

Repayments are designed to be flexible and to meet your personal circumstances

In the event of your death, your loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you

Loan Protection Insurance, Life and Disability cover is available to eligible members

No penalty fees are charged for early repayment of loan balances

There are no hidden fees or transaction charges

Direct Debit payment from your bank and be sure of regular payments to your Credit Union account.

Ready to Make a Change?

Embrace a sustainable lifestyle today with Heritage Credit Union's Green Loan. Click on "Apply Now" button to start your journey right now. Click on "Contact Us" button to send us a message or call to the Office and talk to our friendly staff.

Apply Now Contact Us

Not a Member?

Whether it’s our full digital services such as our online banking and mobile banking app, putting control of your finances at your fingertips, or our friendly staff available to talk to you about your financial needs, we have you covered.

Add our competitive loan interest rates, options to apply and collect online or in person, and our commitment to supporting local community groups and events and you can see why there’s only one place to go for your financial needs.

Terms and Conditions

For loans below €10,000, no quotation is required. For loans valued between €10,000 - €20,000, no mandatory quotation is required but the intended renovations/ purchase must be attributed 100% to green purposes. The Lending Team will contact the member for a breakdown of the work to be completed, and if the Loan’s Officer is satisfied that 100% of the purpose is attributed to green renovations/ purchases, the loan can proceed. If not, a quotation can be requested by the Loan’s Officer.

For loans valued €20,000 and above, quotation/ invoice is required and must be attributed 75% to green purposes c. Listed examples of acceptable green-purposed retrofitting:  Insulation, Window/ Door upgrades (to increase sustainability), Renewable energy systems implementation and upgrades (solar panels/ heating systems/etc.), Ventilation Systems, Boiler Upgrade, Heating Controls, Home Charger Installations for Electric Car.

Electric Car/ Hybrid Car purchase: Qualifying criteria are at the discretion of the loan officer completing the assessment.