Avant Money offers Ireland’s best fixed rate on personal loans over €30,000* at an APR of 6.7%. So not only do you have the peace of mind of knowing your loan repayments will be the same fixed cost each month, but you also know that it’s at the best fixed rate in the country*. Whether you’re planning a major life event, consolidating debt, buying a new car, or making home improvements, our fixed rate loans are the smart choice.

Our top 6 reasons to choose Avant Money for your Personal Loan

1. Lowest fixed rate in the market at just 6.7% APR on loans over €30,000. Dream big, live now. See how much you could save on a €30,000 personal loan versus other lenders over a 5-year term with an Avant Money personal loan.
    
2. Fixed rate means you can plan your finances with confidence, knowing that your monthly repayment won’t change. Unlike variable rate loans, where your interest rate can change, our fixed rate loans ensure that your interest rate remains the same throughout the term of the loan. This means you can plan your finances with confidence, knowing that your monthly repayment won’t change.
    
3. Terms that suit you: Whether you’re borrowing €5,000 or €75,000, you can choose loan terms ranging from 1 to 10 years, giving you control over the repayment schedule that best suits your needs.
    
4. Early repayment with no penalties: We offer the flexibility to repay your loan early without incurring any additional fees.
    
5. No hidden fees: Plus, with Avant Money, there are no hidden fees - so you’ll always know exactly what you’re paying.
    
6. Easy online application process: Our straightforward online application process takes just a few minutes to complete. We’ve streamlined our approval meaning you could have your loan approved and the funds in your account faster than you might expect.

Find out how much you could borrow from Avant Money today, using our simple online loan calculator. Our easy to use calculator, allows you to see how much you can borrow and what your repayments will look like. This tool helps you make an informed decision, so you can choose the best loan for your financial needs.

Check out our personal loans page to learn more about our fixed rate personal loans.

*Rates and loan terms are correct as of 14th May 2025 and are subject to change (Source: CCPC.ie). 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.

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 https://www.avantmoney.ie/personal-loans.

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.

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 conduct of business rules.