How to get a loan

At Avant Money, we’re making it easier to understand the steps involved in getting a loan and making your loan application simple. With fast decision making, open banking, and online loan applications, getting a loan with Avant Money is simple.

In order to understand how to get a loan with Avant Money, we have broken down the loan process into the following steps:

1. What is your loan purpose?

The first step is understanding your need for a loan. There are many different reasons why you might need access to finance, such as to fund an upcoming wedding, buying a new car, funding education, refinancing an existing loan, improving your home, financing an overdue holiday and more. Avant Money offers the option of a Personal Loan, Refinance Loan, or Home Improvement Loan.

2. How much finance do you need?

Once you know why you want a loan, you then need to decide how much you need to borrow. The amount you wish to borrow may determine your loan interest rate. This determines the amount you repay each month. For example, Avant Money currently offers Ireland's best fixed rate on Personal Loans over €30k*.

We recommend you try the Avant Money Loan Calculator to help you understand loan repayments and the cost of credit.

3. Review the different loan rates

Unlike some other lenders, Avant Money loans come with fixed rates. This means that your loan repayment will be the same for the entire term of the loan. There are no early repayment fees and depending on your loan purpose, terms of between 12-120 months are available. Avant Money also offer our lowest interest rates on loans over €30k*.

4. Gathering required documentation

Loan rates offered by lenders usually consider your financial profile and credit history. To get a loan from Avant Money, you will need to provide:

• Personal identification: Driver’s licence, passport, or other valid ID.
• Proof of address: Household utility bill, bank correspondence showing account number, revenue correspondence, social welfare document showing PPS number, or correspondence from government body or local county council
• Bank statements: 1 month of your most recent bank statement (dated within the last 30 days and showing your name and address)
• Income verification: payslips and proof of payment in the bank statement

Here, you can read further information about how to submit the required documents.

5. Apply for the loan

In order to apply for a loan with Avant Money, you must be over 18 and a resident of the Republic of Ireland. Avant Money’s Online Eligibility Checker will help you understand if you are likely to be approved for a loan. You can then complete the loan application process online.

6. Review loan offer

Once you have received the loan offer from Avant Money, you should take a moment to review the terms and conditions and decide if you’re happy with the offer. Consider the interest rate, overall terms, fees and your future capacity to repay or any likely change in circumstance.

7. Accepting the loan offer

If you believe the loan offer best suits your needs, then you can complete the application process by accepting the loan offer. Usually this will be done online through the Avant Money online portal where you can sign the loan offer. You will then receive the funds into your account.

Now that you have received the funds you will need to make timely repayments each month for the duration of the loan.

This How to get a Loan Guide should help simplify the loan application process allowing for a smooth purchase. Looking to get a new pair of wheels? Our Personal Loan Guide provides all you need to know about Car loans.

Choose Avant Money for your loan application today.

If you’re looking to save money to fund part of any new purchase, Avant Money and Bankinter offer ways to save and invest your money through a fixed term deposit account.

*Rates and loan terms are correct as of 24th March 2026 and are subject to change (Source: CCPC.ie, not including Green Loans). The Maximum APR (Annual Percentage Rate) on all Avant Money loans 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 €20,000 to €75,000.

Representative example: On a €30,000 loan over 5 years, at a fixed rate of 6.5% (6.7% APR) you will pay €586.98 a month. The total cost of credit would be €5,219.07 and the total amount repayable would be €35,219.07.

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.

Our interest rates vary depending on the value of your loan and credit profile. We will assign you the appropriate interest rate once your application has been reviewed. To find out more about the loan values and applicable interest rates, check out our rate table at Avant Money Personal Loans.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.