Ireland's best fixed rates on personal loans over €30k*

Personal Loan Calculator
Personal loan details
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Loans for Home Improvements and Refinance under €20,000 have a max term of 7 years. Terms up to 10 years are available from €20,000 up to €75,000. We will assign you the appropriate interest rate based on your financial profile and credit history once your application has been reviewed. See our rate table below for more information about the loan values and applicable interest rates.
Dream big, live now.
See how much you could save on a €30,000 Personal Loan versus other lenders over a 5 year term from Avant Money.†
†Source of repayment information are correct as of 14th May 2025 and are subject to change (source CCPC.ie and respective lender websites). Based on a great credit score and €30,000 personal loan with a term of 60 months. Permanent TSB, 10.5% APR, cost of credit €8,267.80; AIB, 8.95% APR, cost of credit €7,018.81; Bank of Ireland, 7.1% APR, cost of credit €5,539.42; Credit Union, 10.48% APR, cost of credit €8,251.71
†Source of repayment information are correct as of 14th May 2025 and are subject to change (source CCPC.ie and respective lender websites). Based on a great credit score and €30,000 personal loan with a term of 60 months. Permanent TSB, 10.5% APR, cost of credit €8,267.80; AIB, 8.95% APR, cost of credit €7,018.81; Bank of Ireland, 7.1% APR, cost of credit €5,539.42; Credit Union, 10.48% APR, cost of credit €8,251.71
Guaranteed Fixed Loan Rate. No Debate.
With Avant Money we make getting a personal loan easy. All our personal loans, including Home Improvement Loans, Car Loans, Refinance Loans, come with fixed rates. The same monthly repayment for the life of your loan. No surprises. Our personal loans include:

Need a small loan of less than €5,000?
Personal loan interest rates
*Rates and loan terms are correct as of 14th May 2025 and are subject to change (Source: CCPC.ie, excluding green loans). Maximum APR (Annual Percentage Rate) 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.
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.
Rate offered takes into account financial profile and credit history.
Frequently Asked Questions
What is a personal loan
A personal loan is money you borrow from a bank, credit union, or another lender. You promise to pay it back over time. People often use personal loans to pay for things like a car, holiday or home improvements. When you repay the loan, you pay back the money you borrowed (called the principal) plus extra money called interest, which is the cost of borrowing. Find out more information on what is a personal loan.
How does an Avant Money personal loan work?
Avant Money offer personal loans that don’t require security, meaning you don’t need to provide collateral like a home or car. You can use the money to buy a car, fix up your home, or pay for other personal costs. Avant Money personal loans cannot be used for business purposes.
With an Avant Money personal loan, you choose how much money you want, and how long you want to pay it back – usually between 1 and 7 years, or up to 10 years if you're borrowing between €20,000 and €75,000 for home improvements or to pay off other loans. Use the Avant Money Loan Calculator to see how much you can borrow today. We arrange the payments so that you will pay the same amount every month, which includes part of the loan and the interest (the cost of borrowing).
We offer fixed rates on our personal loans, meaning the interest rate you are offered at the start of the process will always remain the same. This is particularly helpful during periods of economic uncertainty. Because the rate stays the same, it may help to manage your money.
It’s important to understand how personal loan term work. The loan term refers to the length of time over which you will repay the full loan amount as well as the interest back (the total cost of borrowing!). If you choose a longer time to pay it back, your monthly repayments will be smaller, but you’ll pay more interest in total because of the longer lifetime of the loan. Shorter loan terms usually mean higher monthly repayments but with a lower total cost of borrowing.
The good news is you can pay off our personal loans early without any extra charges. Before you apply, make sure you can afford the monthly payments . If you miss a payment or pay late, you may have to pay extra fees, and it could impact your credit score. This can make it harder to get loans in the future, so always check your budget first.
How to Apply:
1. Decide how much money you want and how long you want to pay it back.
2. Use the online calculator to see what your monthly payments might be.
3. Fill out the online application form.
4. Get a quick answer—usually in a few minutes.
5. If you’re approved, send in your documents (like ID and payslips).
6. Once your documents are checked, the money will be sent to your bank account.
7. Start making your monthly payments.
What is the interest rate on a personal loan
Avant Money offers Ireland’s best fixed rate on personal loans in Ireland over €30,000* at an APR of 6.7%. This gives you the peace of mind of knowing your loan repayments will be the same fixed cost each month. If you’re looking for a small loan from €5,000 to €19,000, then the APR starts from 8.4%. 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.
How to apply for a personal loan
You can apply for a loan online with Avant Money in minutes. You must be over 18 and a resident of the Republic of Ireland. Avant Money’s online loan 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. To get a loan from Avant Money, you will need to provide the following: Personal Identification: Driver’s license, passport, or other valid ID, Proof of Address: Household utility bill, bank correspondence quoting account number, revenue correspondence, social welfare document quoting 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), and Income verification: payslips and proof of payment in the bank statement.
Got a question?
Are you looking to take the next step in obtaining your financial goals? Whether you're planning to get and upgrade of your living space with a home improvement loan, drive away in your dream car with a car loan, or consolidate your finances with a refinance loan, we are here to help.
Avant Money offers affordable personal loans designed for your personal needs. Everything you need to know about getting an Avant Money personal loan can be found in our Loans FAQs page.
You can also apply by calling our dedicated loans team between the hours of 8am to 8pm Monday to Friday, and 8am to 2pm on Saturday (excluding Bank Holidays).
Call us today on:
(071) 959 4076
Avant Money products

Ready to change or upgrade your car? Whatever car you want to purchase, get a fast loan decision from Avant Money.

Ready to make your home bigger, better or brighter? Upgrade your home with an Avant Money home improvement loan.

Avant Money credit cards are accepted globally with a mix of great introductory offers and market leading always-on rewards.