Refinance loans apply

Get flexibility and affordability with our Refinance Loan
Great fixed rates on refinance loans over €20k
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Refinance loan repayments calculator

See what you can borrow with the Refinance Loan Calculator

We’ve created the easy-to-use Avant Money Refinance 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 – 120 months*
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Everything happens online refinance loan

Everything happens online

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

Apply for a Refinance Loan online

Apply for a Refinance Loan online

Applying is simple and you can immediately check if you’re eligible: Apply online and if you’re eligible, you can have approval in principle in minutes.

check_circleOur interest rates are fixed, which means your repayment amount will never change
check_circleThere are no set up or early repayment fees
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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 120 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 ?

Why refinance a loan?

Why refinance a loan?

There are many reasons why an Avant Money Refinance Loan makes sense

Why Refinance

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Guaranteed fixed rates


Choosing a fixed rate Avant Money Refinance Loan means you know exactly what you’ll repay each month.

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Adapt to new circumstances

With an Avant Money Refinance Loan, you can set up your repayments to suit your new needs.

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Choose a new loan period

Consolidating your loans and choosing a new loan period could leave you with lower monthly repayments.

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Streamline your finances

Life’s better when it’s simpler. Refinancing your loans can mean replacing multiple repayments with a single monthly payment.

Refinancing Checklist

Refinance Loan checklist

Refinace Loan Checklist

Does your current loan(s) have prepayment penalties?

Before you decide to refinance, check your existing loans’ terms and conditions. These may feature in-built penalties or fees triggered if you pay off your loan early.

Will your monthly repayment be the same or lower?

Make sure you’re clear about what your loan will cost after you refinance. Be sure that you’re comfortable with your monthly repayments.

Are you happy to fix at current interest rates?

Above all else, you need to make sure your new monthly repayment won’t leave you stretched. It’s important to confirm that the rate at which you will fix your new loan is suitable.

Have you a clear idea of why you want to refinance?

Do you want to reduce your overall monthly repayment figure or pay your borrowings off sooner? Prioritise your goals to ensure your new refinance loan works for you.

3 cards Refinance

Our products

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

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

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Home Improvement

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

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Car Loan

Ready to change or upgrade your car? Whatever car you want to purchase, get a fast loan decision from Avant Money.

Refinance Loan rates title

Refinance Loan Interest Rates 

Refinance 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 120 months. Loan terms vary depending on the purpose of the loan; 84 - 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 refinance

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.

Rate offered takes into account financial profile and credit history.


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.

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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 Refinance loans

Can I refinance a car or home improvement loan?

Yes, whatever your current loan(s) cover, you can refinance them with an Avant Money Refinance Loan..

Is it good to refinance a loan?

If doing so makes it easier for you to manage your monthly budget or lets you pay off your borrowings early, then refinancing can help streamline your finances.

How do I refinance a car or home improvement loan?

Start by using our Refinance Loan Calculator to check how much you can borrow. Once you’ve found a suitable monthly repayment amount and loan term, apply online.

How much can I borrow with a refinance loans?

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

Can I repay my Avant Money Refinance Loan early?

Yes, you can pay an Avant Money refinance loan early and there are no early repayment fees!