Car loans apply

Thinking of getting a car? Think of an Avant Money Car Loan.
Great fixed rates on car loans over €20k
Two girls sitting in the boot of a new car

car loan repayments calculator

See what you can borrow with the Car Loan Calculator

We’ve created the easy-to-use Avant Money Car Loan Calculator to give you a clear idea of what your repayments could be:

check_circleChoose how much you want to borrow. You can apply to borrow any amount between €5,000 and €75,000.
check_circleDecide how long you want to repay with loan terms of 12–84 months*
Young couple using the car loan calculator on an iPad

Everything happens online car loan

Everything happens online

You can apply anytime, anywhere - and if you need any assistance with your application,our contact centre team is happy to help. Just call 071 959 4076

Apply for a Car loan online

Apply for a Car loan online

Applying is simple and you can immediately check if you’re eligible:

check_circleApply online and if you’re eligible, you can have approval in principle in minutes.
check_circleFixed repayments make budgeting simple
check_circleYou pay no set-up or early repayment fees
Man applying for a car loan on a laptop

Why choose avant money title

Why choose Avant Money?

Why choose avant money benefits 1


Avant Money makes it simple to borrow what’s needed to transform your plans into reality.

Fixed interest rates

You can be sure that the interest rate will stay the same over the entire repayment period.

No early repayment fees

You won’t face any fees or charges if you want to repay the loan in full earlier than expected.

Why choose avant money benefits 2

Award-winning contact centre

If you have any questions or need assistance, we’re just a phone call away.

Flexible loan terms

You choose the repayment period that suits your budget from 12 months up to 84 months.

Borrow €5k - €75k

You can borrow up to €75k; and if you need less than €5k, why not consider an Avant Money Credit Card ?

Car Loan Calculator

Try our Home Improvement Loan Calculator

and check your eligibilty today

What does a car loan cover?

What does a car loan cover?

Before borrowing, check that your car loan suits your needs

check_circleYou can comfortably afford your repayments
check_circleRates and repayment amounts won’t change over time
check_circleHuman support is easily accessible if you have any questions
car driving through a tunnel

A car is a big investment section heading

Why upgrade your car?

There are many reasons why applying for an Avant Money Car Loan makes sense

A car is a big investment

new car keys

Reduced Repair Costs


As cars get older, the increased repairs can become expensive. Purchasing a new car will reduce these costs.

Electric vehicle charging

Fuel Efficiency

Fuel efficiency is a key focus for modern cars. A new car is likely to save money at the pump and reduce your enviromental impact.

young woman standing up in a convertible jeep

Space and Capacity 

Buying a new car will enable you to choose a car with the storage and capacity that suits your needs.

New car parked outside a house

Increased Safety

Safety is always a priority when driving. If your cars safety is an issue, it is time to switch to a new car immediately.

Car loan checklist heading

Car Loan checklist

Car loan checklist

Have you calculated the overall cost of ownership?

This covers not just the purchase price, but also costs such as insurance, motor tax, servicing and resale value. It’s important that your car loan amount will cover the full cost.

Stuck to your budget?

It’s so easy to spend more than you planned when purchasing a new car. Before you buy, set yourself a realistic, affordable budget – and stick to it!

Are you entitled to a grant?

Financial assistance may be available when you purchase a car. Grants are still available for electric vehicles and a range of benefits exist for disabled drivers.

Can you trade in your old car?

Every used car has a trade-in value. So, while you might see flaws in your existing car, it could be very attractive to a dealer and help cut the cost of your purchase.

Have you checked the warranty length?

A long warranty can make a huge impact on a car’s lifetime cost. Long after purchasing your new vehicle, you could continue to benefit from extended cover.

Have you taken the car for a test drive?

Give the car a realistic test drive. Test drive the car in the same areas and conditions you’ll experience every day to make sure it’s 100% right for you.

3 cards Car Loan Page

Our Products

We offer a wide range of loan options including Home improvement Loans and Refinance Loans Need to borrow less than €5000? Explore our excellent Credit Cards intro offers and rewards.

front of a house

Want certainty? Avant Money’s One Mortgage offers complete peace of mind

people socialising in a patio
Home Improvement Loan

Ready to make your home bigger, better or brighter? Avant Money offers fixed rate home improvement loans.

woman with new born child
Refinance Loan

Streamline your borrowing and potentially make real savings. Replace other loans with a single monthly payment with an Avant Money Refinance Loan.

Car loan rates title

Car Loan Interest Rates  

Avant Money interest rates depend on how long your loan will last, how much you borrow, the duration of the loan and its purpose.
Here are our current Car Loan rates:

Car Loans rates table

Loans from
Loan €
Fixed interest*
Fixed rate
€5,000 – €19,999
7.9% – 18.3%
8.2% – 19.9%
€20,000 – €75,000
6.9% – 15.7%
7.1% – 16.9%

*Rates and loan terms are correct as of 22nd February 2024 and are subject to change (Source: Maximum APR (Annual Percentage Rate) is 19.9%. Minimum loan term is 12 months and maximum term is 84 months. Loan terms vary depending on the purpose of the loan; 120 month terms are only available for Home Improvement and Refinance 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 car loan

Representative example:

On a €20,000 loan over 5 years, at a fixed rate of 6.9% (7.1% APR) you will pay €395.08 a month. The total cost of credit would be €3,704.86 and the total amount repayable would be €23,704.86.


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.

warning component

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

know more component

Need more help?

Got a question? Everything you need to know about getting a personal loan from us can be found in our help centre.


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

Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions Car loans

Is a car loan secured or unsecured?

An Avant Money Car Loan is unsecured which means you have full ownership of the vehicle from the start – this contrasts with other financing options under which you don’t own your vehicle until the final payment is made. The loan can be arranged quickly.

How do I apply for a car loan?

Use our Car Loan Calculator to check how much you can borrow. Once you’re happy with the amount and loan term, apply online. If eligible, you can have approval in principle within minutes.

How much can I borrow for a car?

If eligible, you can borrow any amount between €5,000 and €75,000.

Can I refinance a car loan?

If you already have a car loan with another lender, refinancing with Avant Money could make your repayments more affordable. Use the Avant Money Car Loan Calculator to see what your repayments would be.

Can I fully pay off my car loan early?

Absolutely - and there are no early repayment fees!