To apply, first check the Home Energy Upgrade Loan Scheme details on the SEAI website and review participating lenders. You will generally need to choose a suitable energy upgrade, such as insulation or a heat pump, and work with an SEAI-registered contractor where required. Apply for the loan through a participating lender, which will assess your finances and may request information about the proposed works. Grant support and loan approval are separate decisions, so confirm the latest requirements with SEAI, your lender and the contractor before starting work.