Make Your House Your Home

Take the hassle out of renovating your house by spreading the costs with a Home Improvement Loan from Chill Money.

Whether you’d like to build an extension or convert your attic, create an ensuite bathroom to make life more comfortable or just carry out a few small changes to add value to your property, we are here to help you with your plans.

Why Choose Chill Money

   No set up fees

   No penalty for early repayments

   Borrow up to €50,000 (subject to lending criteria)

   Funds within 1 business day*


Home Renovation Incentive Scheme

Looking to spruce up your property? Well, you’ll be delighted to know that the Home Renovation Incentive (HRI) Scheme has been extended by two years to the end of 2018. This measure makes homeowners eligible to claim tax relief on renovations, repairs and improvement work on your main home, as long as it’s carried out by tax-compliant contractors.

You will receive the HRI in the form of a tax credit at 13.5% of qualifying expenditure. This can be set against your income tax over two years. It lowers the rate of VAT to zero on qualifying work, up to €30,000.


We understand that doing up your home can be stressful and can put you and your family under financial pressure. That’s why we provide a loan application process that’s as simple and hassle-free as possible. So no matter where you are, you can find out if you’re eligible to borrow a sum of money using just your PC, tablet or mobile device. Forget piles of paperwork and meetings with your bank manager – getting affordable credit has just gotten a whole lot easier.

To make an application, just enter a few basic details into our loan calculator and you could be approved for a loan of between €5,000 and €50,000 within minutes. Once approved, we aim to get the money into your account within days. With one of the most direct home renovation loans in Ireland, you could be drawing up blueprints and booking contractors in no time.


*Funds will be transferred to the bank account provided within one business day only if we have received the necessary customer documentation by 1pm.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.