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
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.
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 Term :
6.11%
6.11%
6.11%
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
Review the loan requirements and ensure you meet the new simplified criteria.
Step
2
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
Submit your application through our secure online portal or visit us in person for assistance.
Step
4
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 UsTerms 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.
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