Ireland's best fixed rates on Home Improvement Loans over ā¬30k*
See what you can borrow with our Home Improvement Loans
Weāve created the Avant Money Home Improvement Loan Calculator to give you a clear idea of what your repayments could be:
Everything happens online
You can apply for a Home Improvement Loan at any time, anywhere - and if you need any assistance with your Home Loan application, our contact centre team is happy to help. Just call 071 959 4076
Apply for a Home Improvement Loan online
Applying for your Home Improvement Loan is simple and you can immediately check if youāre eligible:
Why choose Avant Money for your Home Improvement Loan?
Avant Money makes it simple to borrow whatās needed to transform your plans into reality.
You can be sure that the interest rate will stay the same over the entire repayment period.
You wonāt face any fees or charges if you want to repay the loan in full earlier than expected.
If you have any questions or need assistance, weāre just a phone call away.
You choose the repayment period that suits your budget from 12 months up to 84 months.
You can borrow up to ā¬75k; and if you need less than ā¬5k, why not consider an Avant Money Credit Card?
Try our Home Improvement Loan Calculator
and check your eligibilty today
What does a Home Improvement Loan cover?
Itās all about flexibility. An Avant Money Home Improvement Loan can be used for whatever you have in mind.
Why upgrade your property with a Home Improvement Loan?
There are many reasons why applying for an Avant Money Home Improvement Loan makes sense
A Roomier Home
Is it time to think bigger? With vision and imagination, homes can be extended to create space for all the family. Apply today to check your eligibility!
More Comfort
Updated bathrooms, modern kitchens and spacious rooms. An Avant Money Home Improvement Loan can mean more comfort for everyone.
Increased value
Investing in your home can add to its overall value and make it more attractive to buyers. The flexibility of an Avant Money Home Improvement Loan will make the process as simple as possible.
Hassle Free Improvement
Want a more up-to-date home that matches your current needs? You donāt need security, valuation or solicitors with our Home Improvement Loans.
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Careful planning lowers costs
With any home improvement project, costs can easily spin out of control. Thatās why itās so essential to plan and anticipate any issues that might make extra demands on your budget.
Being optimistic is great - but assuming everything will be fine can come with a hefty price tag.
Ways to stop costs spiralling:
Once you have made your decisions, stick to them. Sudden changes of direction can have a negative impact on costs.
If you can take care of any jobs yourself, do so. Applying your skills ā or learning new ones ā can lead to significant savings.
Shopping around will give you a better idea of your options. So donāt settle on the first supplier or contractor you find.
By planning well in advance and giving contractors notice, you may be able to lock in a lower fee for the project.
Skimping on materials could lead to costly problems down the line. Pay a little extra for higher quality.
They may cost more now, but using energy efficient materials can mean savings in the long term.
Home Improvement Loan guide
Match your plans with your goals
Are you absolutely sure that your plans will deliver whatās needed ā for example, if converting your attic, will the new room be big enough for the purpose youāve planned? Or if youāre adding insulation, be sure you understand how much money it could actually save you.
Clearly brief your contractors
Have you clearly briefed contractors? Vague plans and changes in plans in the middle of a project will result in higher costs.
Budget for unexpected costs
Always ensure that your project includes an emergency budget to cover unforeseen expenses. Pulling up floorboards or removing plaster from walls often brings unexpected problems that need fixing.
Set a realistic timeline
Give your contractors enough time. Racing to complete a job due to an unrealistic schedule can mean hiring costly extra resources.
Check your suppliersā credentials
Are your contractors up to the challenge? Make sure you get reviews from people who have had similar work done in the past.
Check the impact of your plan on your propertyās BER
BER is an important factor affecting your propertyās value. When planning your improvement, try to ensure that the work will enhance your homeās overall energy efficiency.
Get any necessary permissions If required
Itās essential that all planning permissions have been granted before you do any work. In some cases, work might have to be removed if permission is subsequently denied by a local authority.
Organise alternative accommodation if required
Will you need to move out while your work is being done? If so, donāt wait until the last minute to arrange temporary accommodation.
Avant Money products
Ready to change or upgrade your car? Whatever car you want to purchase, get a fast loan decision from Avant Money.
Ready to make your home bigger, better or brighter? Upgrade your home with an Avant Money Home Improvement Loan.
Avant Money credit cards are accepted globally with a mix of great introductory offers and market leading always-on rewards.
Home Improvement Loan interest rates
*Rates and loan terms are correct as of 18th February 2026 and are subject to change (Source: CCPC.ie, not including green loans). Maximum APR (Annual Percentage Rate) is 19.9%. Minimum loan term is 12 months and maximum term is 120 months, loan terms vary depending on the purpose of the loan, terms greater than 84 months up to a maximum of 120 months are only available for Refinance and Home Improvement Loans of ā¬20,000 to ā¬75,000.
Lending criteria, terms and conditions will apply. Personal Loans are available to residents of the Republic of Ireland over the age of 18 and are subject to repayment capacity and financial status. Proof of income and a credit reference agency search will be required to help us approve your request. Personal Loans are unsecured and not available for business purposes, house purchase or investment.
Representative example:
On a ā¬30,000 loan over 5 years, at a fixed rate of 6.5% (6.7% APR) you will pay ā¬586.98 a month. The total cost of credit would be ā¬5,219.07 and the total amount repayable would be ā¬35,219.07.
Rate offered takes into account financial profile and credit history.
Frequently Asked Questions
Need more help?
Got a question? Everything you need to know about getting a personal loan from us can be found in our help centre.
You can also apply by calling our dedicated loans team between the hours of 8am to 8pm Monday to Friday, and 8am to 2pm on Saturday (not including bank holidays).
Call us today on:
(071) 959 4076