Loan Rates Ireland | Personal Loan Interest Rate
Personal Loan Interest Rates
Find our loan rates below and explore representative examples to help guide your understanding of the personal loan interest rates available with Avant Money today. This information aims to offer a clearer understanding of potential repayments, helping you make informed decisions and gain a greater understanding of how loan rates from Avant Money work.
*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 €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.
Why choose Avant Money for a Personal Loan
Reasons to choose Avant Money for a Personal Loan:
- Ireland’s best fixed rate on loans over €30,000*
- Fixed repayments for the full term - no surprises
- No need to be an existing customer or change your current account
For further information regarding Avant Money loans, discover our car loan, home improvement loan and refinance loan. There are also a number of useful blogs on topics such as how home improvement loans work, common car loan questions answered, refinancing your car loan, and a personal loans guide. You can apply for a personal loan, or contact us between the hours of 8am to 8pm Monday to Friday, and 8am to 2pm on Saturday (except for Bank Holidays) on (01) 448 5827.
How do personal loan interest rates work?
Personal loan interest is the cost of borrowing money. It is included in your APR, which shows the total cost of the loan. You repay the loan in monthly payments, which cover both the loan and the interest. The rate you get depends on your personal situation, like your credit history and income. A longer loan usually means lower monthly payments, but you will pay more interest overall. Avant Money offers Ireland’s best fixed rate on Personal Loans in Ireland over €30,000* at an APR of 6.7%. If you’re looking for a small loan from €5,000 to €19,999, then with Avant Money the APR starts from 8.5%. The Maximum APR (Annual Percentage Rate) on all Avant Money Loans is 19.9%. The 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.