Personal loans apply

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

See why our personal loans stand out from the pack. Avant Money offer a range of personal loans in Ireland with guaranteed fixed rates. Discover affordable loan options today.

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Use our Personal Loan calculator to find an affordable loan option for you.
Personal Loan Calculator


Personal loan details

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Loan amount
€2000
Monthly repayments
from

€2000
*APR
from

5.9%
Fixed nominal interest rate from: 10.7%
Total amount repayable:
from
Total Cost Credit:
from
Loan term

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.

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.

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how much you could save on a loan with Avant Money

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.†

Avant Money
6.8
%
APR
Our low personal loan rate
Versus
Credit Union
Save €1,975.51
10.48% APR
PTSB
Save €1,970.77
10.5% APR
AIB
Save €1,153.57
8.95% APR

†Source of repayment information are correct as of 4th September 2024 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 4th September 2024 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.

Personal loans benefits

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:

check_circleFixed interest rates
check_circleNo early repayment fees
check_circleAward-winning customer support
check_circle12-120 month loan terms
check_circleBorrow €5k - €75k
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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.

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Personal loan interest rates

Personal loans interest rates

Loans from
Loan €
 
Fixed interest*
Fixed rate
 
APR*
APR
€5,000 – €19,999
 
8.4% – 18.3%
 
8.7% – 19.9%
€20,000 – €75,000
 
6.6% – 15.7%
 
6.8% – 16.9%
 
 
 
 
 

*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 Personal Loans

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.

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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.

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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.

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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.

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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.

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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.