Car Loan Ireland | Fixed Rates
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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:

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:

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.

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

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

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

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

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

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

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

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.

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

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
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.
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!
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.
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.
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.
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.
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Our products


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

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
*Rates and loan terms are correct as of 4th August 2023 and are subject to change (Source: CCPC.ie). Maximum APR (Annual Percentage Rate) is 17.1%. 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.
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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.
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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!