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Application FAQs

Find the answers to the questions we get asked most frequently.

What does the CCR mean for me?

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 click here.


To learn what the CCR means for my loan application, click here.

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

What is the Central Credit Register?

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. For more information click here.

How much can I borrow with a loan?

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

How do I know what credit limit I will be given on my credit card?

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.

Am I eligible to apply?

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.

How do I apply?

We’ve worked hard to make our application process as easy as possible. Start here to get a quick quote for a personal loan, or here 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.

Do I have to include all rental and mortgages or just for my main home?

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

Are there any fees?

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 here.

Where can I see the interest rates that will apply?

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.

How will you verify my Income and employment?

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.

What documents do I need to upload?

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.

  • Utility bill
  • Revenue document
  • Social insurance document
  • Household/motor insurance certificate
  • Bank/Credit Union statement
  • Proof of Income - Bank Statements

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.

Can I send my documents by post?

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.

The online application form won’t accept my information, what should I do?

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.

I need to change some details on my application, what should I do?

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.

Is it possible to make a joint application?

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.

I received an email saying my application has been declined, can I apply again?

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

How do I make a complaint?

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 on our complaints process please click here.