Ireland's best fixed rates on personal loans over €20k*

Personal 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. 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.
Dream big, live now.
See how much you could save on a €20,000 personal loan versus other lenders over a 5-year term from Avant Money.†
†Source of repayment information are correct as of 9th January 2025 and are subject to change (source CCPC.ie and respective lender websites). Based on a great credit score and €20,000 personal loan with a term of 60 months. Permanent TSB, 10.5% APR, cost of credit €5,496.40; AIB, 8.95% APR, cost of credit €4,679.20; Credit Union, 10.48% APR, cost of credit €5,501.14.
†Source of repayment information are correct as of 9th January 2025 and are subject to change (source CCPC.ie and respective lender websites). Based on a great credit score and €20,000 personal loan with a term of 60 months. Permanent TSB, 10.5% APR, cost of credit €5,496.40; AIB, 8.95% APR, cost of credit €4,679.20; Credit Union, 10.48% APR, cost of credit €5,501.14.
Guaranteed Fixed Loan Rate. No Debate.
With Avant Money we make getting a personal loan easy. All our personal loans, including Home Improvement Loans, Car Loans, Refinance Loans, come with fixed rates. The same monthly repayment for the life of your loan. No surprises. Our personal loans include:

Need a small loan of less than €5,000?
Personal loan interest rates
*Rates and loan terms are correct as of 4th September 2024 and are subject to change (Source: CCPC.ie). 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 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:
On a €20,000 loan over 5 years, at a fixed rate of 6.6% (6.8% APR) you will pay €392.26 a month. The total cost of credit would be €3,535.63 and the total amount repayable would be €23,535.63.
Rate offered takes into account financial profile and credit history.
Need more help?
Got a question? Everything you need to know about getting an Avant Money personal loan can be found in our Loans FAQs page.
Frequently Asked Questions
What is a personal loan
A personal loan from Avant Money is an unsecured loan, meaning you don’t need to provide collateral like a home or car. It is not for business purposes, house purchase or investment. Personal loans can be quite flexible allowing you to borrow money for a variety of different purposes, such as buying a new car, going on holiday, financing home improvements or consolidating debt. The loan is repaid in regular monthly instalments, typically ranging from one to ten years, depending on the loan type, the term you choose, your repayment capacity, and the terms and conditions.
How much can I borrow for a personal loan
Avant Money offer personal loans from €5k to €75k at a fixed interest rate for the duration of the loan. The amount you’re eligible to borrow will be based on a number of different factors including your income and repayment capacity. You will need to clearly demonstrate repayment capacity for the loan amount and term requested in order to meet the regular repayments such as a bank statement with saving records. We will consider the interest rate, overall terms, and your future ability to repay or any likely change in circumstance when reviewing your loan application.
What is the interest rate on a personal loan
Avant Money offers Ireland’s best fixed rate on personal loans in Ireland over €20,000* at an APR of 6.8%. This gives you the peace of mind of knowing your loan repayments will be the same fixed cost each month. If you’re looking for a small loan from €5,000 to €19,000, then the APR starts from 8.7%. 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.
How to apply for a personal loan
You can apply for a loan online with Avant Money in minutes. You must be over 18 and a resident of the Republic of Ireland. Avant Money’s online loan eligibility checker will help you understand if you are likely to be approved for a loan. You can then complete the loan application process online. To get a loan from Avant Money, you will need to provide the following: Personal Identification: Driver’s license, passport, or other valid ID, Proof of Address: Household utility bill, bank correspondence quoting account number, revenue correspondence, social welfare document quoting PPS number, or correspondence from government body or local county council, Bank Statements: 1 month of your most recent bank statement (dated within the last 30 days and showing your name and address), and Income verification: payslips and proof of payment in the bank statement.
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
Avant Money products

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

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Avant Money credit cards are accepted globally with a mix of great introductory offers and market leading always-on rewards.