Personal loans apply

Picture yourself saving thousands on a loan?
Save up to €2,352 over 5 years vs. other lenders with our low rate of 6.1% APR on personal loans over €20,000†
Apply now

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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 loan versus other lenders over a 5 year term from Avant Money.†

Avant Money
6.1
%
APR
Our low personal loan rate
Versus
PTSB
Save €2,352
10.5% APR
AIB
Save €1,538
9% APR
BOI
Save €371
6.8% APR

†Source of repayment information respective lender websites. 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 14th July 2022 and are subject to change. Permanent TSB, 10.5% APR, cost of credit €5,496.40; AIB, 9.0% APR, cost of credit €4,682.20; Bank of Ireland, 6.8% APR, cost of credit €3,515.20.

†Source of repayment information respective lender websites. 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 14th July 2022 and are subject to change. Permanent TSB, 10.5% APR, cost of credit €5,496.40; AIB, 9.0% APR, cost of credit €4,682.20; Bank of Ireland, 6.8% APR, cost of credit €3,515.20.

Personal loans benefits

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.
Find out more

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Personal loan interest rates

Personal loans interest rates

Loans from
Loan €
 
Fixed interest*
Fixed rate
 
APR*
APR
€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
 
5.9% – 13.9%
 
6.1% – 14.8%
€40,000 – €75,000
 
5.9% – 13.1%
 
6.1% – 13.9%

*Rates and loan terms are correct as of 14th July 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.

warning

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.

Loans help

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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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3 cards

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.

Our cards
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.

Our balance transfers
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.

Our money transfers