Personal loan and credit card application FAQs

If you have recently applied for a credit card or personal loan and would like an update on its status, please log into our Document Centre. Simply input your application reference number (you will have received this via email) and your date of birth.

Once logged in, you can see the most up to date status of your application and any documents we’re looking for. This is the latest information available to our staff. If we need anything from you, we’ll be in touch so just keep an eye on your phone and email.

The Central Credit Register contributes to financial stability and consumer protection by:

• providing lenders with a better analysis of borrowers’ creditworthiness;
• giving information to borrowers on their financial profile;
• giving the Central Bank better insight into financial markets; and
• supporting the Central Bank’s role of supervising the financial sector and ensuring financial stability.

Avant Money shares your information with the Central Credit Register (CCR) which is used to create individual credit reports. The Central Bank of Ireland owns the information held on the CCR and is the data controller under the Data Protection Acts. You have a right to request your credit report, free of charge at any time (subject to fair usage). For more information, visit Central Credit Register.


Learn more about what the CCR means for my loan application.


To learn what the CCR means for my credit card application or request for credit limit increase, visit CCR for credit card applications.

The Central Credit Register (CCR) is a new secure system for collecting personal and credit information on credit applications and credit agreements of €500 or more. It is owned and operated by the Central Bank of Ireland, under the Credit Reporting Act 2013. Visit the Central Credit Register for more information.

We offer loans from €5,000 up to €75,000. The amount you can borrow is based on your ability to repay and your financial status. When you apply for a loan, each individual application is assessed against a standard checklist. This includes a thorough credit check

Once you’ve applied for a credit card, we will evaluate your ability to repay and your financial status. We will then recommend a credit limit based on your individual situation. When you apply for a credit card, each application is assessed against a standard checklist. This includes a thorough credit check.

In order to be eligible to apply for a loan or credit card from Avant Money, you must be:

• Over 18
• Resident in the Republic of Ireland

Please note that loans and credit cards are unsecured and not available for business purposes, house purchase or investment.

We’ve worked hard to make our application process as easy as possible. Get a quick quote for a personal loan, or get a quote for a new credit card – you’ll need to tell us what you’re looking for and we’ll look after the rest.

Once your application has been reviewed you will be contacted and advised on the next steps.

Please note that in order to complete your application you will be asked for some documentation such as proof of income and identification.

Yes, you need to include information about all rental and mortgages that you currently have.

With Avant Money credit cards and loans, there are no set-up fees.
In certain situations, for example for missed payments, fees and penalties may apply.

You can find out more about these by visiting credit card frequently asked questions.

During the loan application process, once you’ve let us know how much you’d like to borrow, and over what timeframe, we’ll tell you exactly how much you will have to repay including interest. This will also be included in your loan credit agreement.

For loans, the interest rates are detailed on the credit agreement. For credit cards, the interest rates are detailed on your monthly statement.

We carry out a standard verification process when we are assessing applications. Income and employment details are verified through the documentation that we request from you. Specifically, your bank statements and payslips.

Please note we will need to see evidence of your wages being paid into your bank account.

We will need to verify the following documents in order to process your application:

Proof of Identification:
One piece of photographic evidence must be supplied and this must be in date. We accept any one of the following:

• Passport
• Passport Card
• Driving Licence
• Immigration Card
• Garda Age Card

Proof of Address:
We require one of the following documents, dated within the last 3 months.

• Household utility bill
• Any bank correspondence quoting account number
• Any revenue correspondence
• Social welfare document quoting PPS number
• Any insurance correspondence quoting account number
• Littlewoods correspondence quoting account number
• NDLS correspondence quoting driver number
• Correspondence from government body or local county council

We require 1 month of your recent bank statement, dated within the last 30 days and showing your name and address. Bank statements can be downloaded as a PDF from all bank websites, on all devices. When you have this, simply upload it to the Avant Money Document Centre.

Please ensure all documents are in a visible and clear format.

If you are having issues logging into or uploading documents in the Document Hub, please delete your cache and try the step again.

See our handy guide on how to delete your cache.

Unfortunately, we do not accept documents by post so please do not post any documents to us, as this will delay your application.

Documents can only be uploaded through the Avant Money Document Centre.

Avant Money has partnered with CRIF Realtime Ireland (CRIF) to better utilise open banking services, making it easier for you to share your financial information with us. Learn more about CRIF.

If you are experiencing technical issues, our team are happy to help. We can also run through a quote with you over the phone –simply call us on 0818 409 511.

Unfortunately once you have submitted your application you will not be able to change any details online. However, if you call us on 0818 409 511 we’ll be happy to run through the changes with you and make the amends to your application form.

No, it is not possible to make joint applications at this time. However, with their consent, you can include income from another household member in your application. If you do this we will require their personal documents as well.
We also offer Additional Cardholders as a benefit with Avant Money credit cards. This means you can add up to three additional family members to your credit card account for free and they will each receive their own card.

Absolutely, we welcome another application from you if your circumstances have changed since your last one was declined.

If you have a complaint we want to hear from you. Please call us on 0818 409 511* or write to us at Customer Advocate Manager, PO Box 25, Carrick-on-Shannon. Co. Leitrim.

For more information visit out complaints process.