Terms & Conditions
The Green Home Improvement loan can be used for members planning to upgrade their home making it warmer and more energy efficient.
- Subject to underwriting criteria, terms and conditions
- Minimum loan amount €15,000
- Maximum loan amount €100,000
- Minimum Term - 5 years - Loan can be cleared early, no penalties apply
- Maximum Term of loans – 10 years
- Repayment Frequency – Weekly, Fortnightly, Monthly
- Loans are insured at no direct cost to all eligible members
- Member to provide quote for Green Energy projects/SEAI grant application up to 70% of amount applied for, remaining 30% may be agreed for contingency
- Loan can be topped up, balance must be brought back up to minimum loan amount of €15,000 over 5 years
- If a loan application is such that it may not be approved by Dubco Ireland due to the personal circumstances of the member, additional security may be required in the form of a minimum level of pledged shares, and/or a person that guarantees the loan (Guarantor). This Guarantor would ideally be a member.
*The Annual Percentage Rate (APR) included is an example only. A €70,000 loan over 10 years at a variable interest rate of 6.57% (6.77% APR) has a monthly repayment of €759, total interest of €21,030 and a total cost of credit of €91,030.
WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future.
On the Move?
Manage your money anywhere, anytime
If you’re already registered for Dubco Ireland online access, all you have to do is download the Dubco Ireland Mobile App and you’re ready to go!
