Get a Refinance Loan that fits your needs and your budget
See what you can borrow with the Refinance Loan Calculator
We’ve created the Avant Money Loan Refinance Calculator to give you a clear idea of what your repayments could be if you refinance a loan:
Everything happens online
You can apply for a Refinance Loan anytime, anywhere - and if you need any assistance with your loan refinance application, our Customer Service team is happy to help. Just call 071 959 4076
Apply for a Refinance Loan online
Applying for a Refinance Loan in Ireland 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.
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.
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 120 months.
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?
There are many reasons why an Avant Money Refinance Loan makes sense. Read below to find out why a Refinance Loan might be the best option for you.
Fixed rates
Choosing a fixed rate Avant Money Refinance Loan means you know exactly what you’ll repay each month.
Adapt to new circumstances
With an Avant Money Refinance Loan, you can set up your repayments to suit your new needs.
Make managing your money simple
Life’s better when it’s simple. Refinancing your loans can mean switching from multiple repayments to a single monthly payment.
Streamline your finances
Life’s better when it’s simpler. Refinancing your loans can mean replacing multiple repayments with a single monthly payment.
Refinance Loan guide
Does your current loan(s) have prepayment penalties?
Before you decide to refinance a loan, check your existing loans’ terms and conditions. These may feature penalties or fees triggered if you pay off your loan early.
Will your monthly repayment be the same or lower if you refinance a loan?
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 you are happy with the rate at which you will fix your new loan.
Have you a clear idea of why you want to refinance?
Do you want to reduce your overall monthly repayment or clear your debts sooner? Prioritise your goals to ensure your new Refinance Loan works for you.
Our products
Ready to make your home bigger, better or brighter? Avant Money offers fixed rate home improvement loans.
Ready to change or upgrade your car? Whatever car you want to purchase, get a fast loan decision from Avant Money.
Refinance Loan Interest 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 €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.
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