Our Greenify loan rate is 5.5% variable (5.64% APR), one of the lowest loan rates we offer. As interest is calculated on the reducing balance of your loan, you pay less interest with every repayment you make. Representative example: a €30,000 loan over 5 years costs €573 per month at 5.5% variable (5.64% APR), with a total cost of credit of €4,383.

You can borrow from €1,000 up to €100,000 with a Greenify loan, over a term of up to 10 years. The exact amount is based on your ability to repay. Loans are subject to approval; terms and conditions apply.

Yes, provided the vehicle is bought from a dealership. New and pre-owned EVs and plug-in hybrids purchased through a dealership qualify for the Greenify rate of 5.5% variable (5.64% APR), which is considerably lower than a standard car loan rate. A dealership invoice is required as proof of purchase. Private sales don't qualify for the Greenify rate, but you can still finance a privately bought EV with our standard car loan.

Yes, you can combine the two. The SEAI grant reduces the overall cost of works like solar panels or insulation, and the Greenify loan covers the balance. Because most SEAI grants are paid after the work is completed, or deducted by a registered One Stop Shop, the loan can also bridge the upfront cost until your grant comes through. Grant amounts and eligibility are set by the SEAI, so check seai.ie for current details.

Yes. To qualify for the Greenify rate, you'll need documentation showing the funds are being used for environmentally beneficial improvements, such as a contractor's quote, a solar installer's estimate, or a dealership invoice for an EV or hybrid.

Almost none, all you need is the minimum €5 balance that comes with opening your membership account. There's no waiting period and no requirement to build up savings before applying. Loan decisions are based on your ability to repay, not on how long you've been a member or how much you've saved.

We won't keep you waiting, fully documented applications can be approved and issued the same working day. You can apply anytime, anywhere through our online application, including evenings and weekends, and our team will pick it up the next working day. All loans are subject to approval and lending criteria; terms and conditions apply.

Yes, Loan Protection Insurance is included at no direct cost to eligible members. In the event of a member's death, the outstanding loan balance is repaid, subject to the policy's terms, conditions and eligibility criteria, so the debt doesn't pass to your next of kin. Cover applies to members in good health or carrying out normal occupational duties when the loan is granted, and ceases on the member's 80th birthday.

Greenify is a nationwide initiative from a group of Irish credit unions committed to helping members take meaningful climate action. Through Connect Credit Union, it gives you access to low-cost finance for home energy upgrades and greener transport from a trusted, local, community-based lender. You can download our free Greenify Guide for more detail on what's covered.