Thinking of getting a car? Think of an Avant Money Car Loan.
Car 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 give 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.
See what you can borrow with the Car Loan Calculator
Weāve created the easy-to-use Avant Money Car Loan Calculator to give you a clear idea of what your car loan repayments could be:
Everything happens online
You can apply for a Car Loan at any time, anywhere - and if you need any assistance with your Car Loan application, our contact centre team is happy to help. Just call 071 959 4076
Apply for a Car Loan online
Applying for a Car Loan is simple and you can immediately check if youāre eligible:
Why choose Avant Money for your Car Loan?
Avant Money makes it simple to borrow whatās 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 wonāt face any fees or charges if you want to repay the loan in full earlier than expected.
If you have any questions or need assistance, weāre 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 ā¬75k; and if you need less than ā¬5k, why not consider an Avant Money Credit Card?
Try our Home Improvement Loan Calculator
and check your eligibilty today
What does a Car Loan cover?
Before borrowing, check that your Car Loan suits your needs
Why upgrade your car with a Car Loan?
There are many reasons why applying for an Avant Money Car Loan makes sense
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 environmental 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 guide
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. Itās important that your Car Loan amount will cover the full cost.
Stuck to your budget?
Itās so easy to spend more than you planned when purchasing a new car. Before you take out a Car Loan and buy, set yourself a realistic, affordable budget ā 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 and therefore your Car Loan too.
Have you checked the warranty length?
A long warranty can make a huge impact on a carās 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 youāll experience every day to make sure itās 100% right for you before you take a Car Loan out.
Avant Money 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. Refinancing your loans can mean switching from multiple repayments to a single monthly payment.
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:
*Rates and loan terms are correct as of 17th February 2026 and are subject to change (Source: CCPC.ie, not including 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 ā¬20,000 to ā¬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 ā¬30,000 loan over 5 years, at a fixed rate of 6.5% (6.7% APR) you will pay ā¬586.98 a month. The total cost of credit would be ā¬5,219.07 and the total amount repayable would be ā¬35,219.07.
Rate offered takes into account financial profile and credit history.
Frequently Asked Questions
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 (not including Bank Holidays).
Call us today on:
(071) 959 4076