Does saving thousands on a loan tickle your fancy?
Save up to €2,464 over 5 years vs. other lenders with Ireland's best value rate of 5.9% APR on loans over €20,000†

AvantMoney Calculator Form Portlet

Loan Calculator
Please select a loan purpose

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.

Monthly repayments from:

The loan calculator results are for illustrative purposes only. We will assign 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.
Loans Details:
Calculator results
Description Result
Fixed nominal interest rate from:
Annual percentage rate from:
Cost of credit from:
Total amount repayable from:

Loans details

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Don't clip your wings. See how much you could save on a €20,000 loan versus other lenders over a five year term from Avant Money.


†Information correct 13th January 2022. Source of repayment information respective lender websites and Switcher.ie. Lowest rate for a personal loan claim source CCPC.ie

Based on a great credit score and €20,000 personal loan with a term of 60 months. Rates and loan terms are correct as of 13th January 2022 and are subject to change. Permanent TSB, 10.5% APR, cost of credit €5,496.40; AIB, 9.0% APR, cost of credit €4,672.60; KBC, standard personal loan rate 7.3% APR, cost of credit €3801.09; Bank of Ireland, 6.8% APR, cost of credit €3,515.20.

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Loans. Nuts and bolts and brass tacks.

With Avant Money, you set the loan amount down to the last euro and pick a repayment schedule that you’re comfortable with, all in your own good time. See why our personal loans stand out from the pack:

check_circleApply online now
check_circleBorrow €5k-€75k
check_circleQuick approval in principle
check_circle12-120 month loan terms
check_circleFixed interest rates
check_circleNo early repayment fees

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Need to borrow less than €5,000?
The Avant Money One card gives you 0% interest for up to one year with money transfers. It’s like a loan in your pocket.


Personal loan interest rates


Loans from
Loan €
Fixed interest*
Fixed rate
€5,000 – €9,999
10.7% – 18.3%
11.2% – 19.9%
€10,000 – €19,999
9.2% – 15.9%
9.6% – 17.1%
€20,000 – €39,999
5.7% – 13.9%
5.9% – 14.8%
€40,000 – €75,000
5.7% – 13.1%
5.9% – 13.9%

*Rates and loan terms are correct as of 13th January 2022 and are subject to change. 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; 120 month terms are 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.


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 in the future.

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Need more help?

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


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Credit cards

Avant Money credit cards are accepted globally. You can choose between our two credit cards, offering a mix of great introductory offers and market leading always-on rewards.

Balance transfer

A Balance transfer allows you to transfer a balance owed on another credit card to your Avant Money credit card. Manage just one monthly payment to save money on interest.

Money transfer

A Money transfer is the ability to transfer money from your credit card to your bank account. With fast approval you could have the money in your account within one business day.