Ireland's leading fixed rates on personal loans over €30k*
Personal Loan Calculator
Personal loan details
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Home Improvement and Refinance loans under €20,000 have a maximum term of 7 years. For amounts from €20,000 up to €75,000, terms of up to 10 years are available. Your interest rate will be determined based on your financial profile and credit history after we review your application. Refer to our rate table below for details on loan amounts and corresponding interest rates.
Dream big, live now.
See how much you could save on a €30,000 Personal Loan versus other lenders over a 5 year term from Avant Money.†
†Source of repayment information are correct as of 14th October 2025 and are subject to change (source CCPC.ie). Based on a great credit score and €30,000 personal loan with a term of 60 months. AIB, 8.95% APR, cost of credit €7,018.81; Bank of Ireland, 7.1% APR, cost of credit €5,539.42; Credit Union, 10.42% APR, cost of credit €8,203.21
†Source of repayment information are correct as of 14th October 2025 and are subject to change (source CCPC.ie). Based on a great credit score and €30,000 personal loan with a term of 60 months. AIB, 8.95% APR, cost of credit €7,018.81; Bank of Ireland, 7.1% APR, cost of credit €5,539.42; Credit Union, 10.42% APR, cost of credit €8,203.21
Guaranteed Fixed Loan Rate. No Hassle.
At Avant Money, we make personal loans simple. All our personal loans, including Home Improvement Loans, Car Loans, and Refinance Loans, feature fixed rates. Enjoy the same monthly repayment throughout your loan term. No surprises. Our personal loans offer:
Need a small loan of less than €5,000?
Personal loan interest rates
*Rates and loan terms are accurate as of 14th October 2025 and may change (Source: CCPC.ie, excluding green loans). The maximum APR (Annual Percentage Rate) is 19.9%. The minimum loan term is 12 months, and the maximum is 120 months. Loan terms depend on the loan purpose; terms beyond 84 months up to 120 months are only applicable to refinance and home improvement loans between €20,000 and €75,000.
Lending criteria, terms, and conditions apply. Personal loans are available to Republic of Ireland residents aged 18 or over and are subject to repayment ability and financial standing. Proof of income and a credit reference agency check will be required to support your application. These personal loans are unsecured and not intended for business use, property purchase, or investment.
Representative example:
For a €30,000 loan over 5 years at a fixed rate of 6.5% (6.7% APR), your monthly repayment would be €586.98. The total cost of credit would be €5,219.07, making the total amount repayable €35,219.07.
The rate offered is based on your financial profile and credit history.
Frequently Asked Questions
What is a personal loan
A personal loan is money borrowed from a bank, credit union, or other lender, which you agree to repay over time. People often use personal loans to cover expenses like a car, holiday, or home improvements. When repaying the loan, you return the borrowed amount (known as the principal) along with interest, which is the cost of borrowing. Learn more on what is a personal loan.
How does an Avant Money personal loan work?
Avant Money provides personal loans that are unsecured, meaning no collateral like a home or car is needed. You can use the funds to buy a car, renovate your home, or cover other personal expenses. These loans are not for business use.
With Avant Money, you choose the loan amount and repayment term—typically between 1 and 7 years, or up to 10 years for loans between €20,000 and €75,000 for refinancing or home improvements. Use our Loan Calculator to estimate your borrowing potential. Monthly repayments are fixed, combining a portion of the principal and the interest.
All our personal loans come with fixed rates, so the interest rate set at the beginning stays the same throughout the loan. This can be especially helpful during uncertain economic times, as it supports better money management.
Understanding loan terms is key. The term refers to how long you'll repay the loan and interest (the total borrowing cost). Longer terms mean smaller monthly payments but higher total interest. Shorter terms have higher payments but cost less overall.
You can repay Avant Money personal loans early without penalties. Before applying, make sure you can afford the repayments. Missed or late payments may result in fees and affect your credit score, making future borrowing more difficult. Always check your budget first.
How to Apply:
1. Choose your desired loan amount and repayment term.
2. Use the online calculator to estimate your monthly repayments.
3. Complete the online application form.
4. Get a fast response—often within minutes.
5. If approved, submit your documents (such as ID and payslips).
6. Once verified, funds are transferred to your bank account.
7. Begin your monthly repayments.
What is the interest rate on a personal loan
Avant Money offers Ireland’s top fixed rate on personal loans over €30,000* at an APR of 6.7%, ensuring predictable monthly repayments. For smaller loans from €5,000 to €19,999, APRs start from 8.5%. The maximum APR on all Avant Money loans is 19.9%. Loan terms range from 12 to 120 months, depending on the loan’s purpose. Terms longer than 84 months up to 120 months are only available for refinance and home improvement loans between €20,000 and €75,000.
How to apply for a personal loan
You can apply online for an Avant Money loan in minutes. Applicants must be over 18 and residents of the Republic of Ireland. Use Avant Money’s online loan eligibility checker to see if you're likely to be approved. Complete the loan application online. Required documents include: Personal ID (driver’s license, passport, or valid ID), Proof of Address (utility bill, bank or government correspondence), Bank Statements (1 month, dated within the last 30 days), and Income Verification (payslips and proof of payment shown in your bank statement).
Got a question?
Are you looking to take the next step in obtaining your financial goals? Whether you're planning to get and upgrade of your living space with a home improvement loan, drive away in your dream car with a car loan, or consolidate your finances with a refinance loan, we are here to help.
Avant Money offers affordable personal loans designed for your personal needs. Everything you need to know about getting an Avant Money personal loan can be found in our Loans FAQs page.
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.
Ready to make your home bigger, better or brighter? Upgrade your home with an Avant Money home improvement loan.
Avant Money credit cards are accepted globally with a mix of great introductory offers and market leading always-on rewards.
