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

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.

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.

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.

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.