Login Personal Business Money Ireland’s lowest rate on loans over €20,000* 5.9% APR - Ireland’s lowest rate on loans over €20,000*. Whether you’re looking for a new kitchen or attic conversion, want a new car or a landscaped garden escape, get a loan designed with you in mind. Use our handy online loan calculator to find the right option to suit your needs. Purpose of loan Vehicle Holiday Education Home Improvements < 20k Home Improvements > 20k Refinance < 20k Refinance > 20k Wedding Cosmetic/ Dental/ Medical Insurance Funeral Expenses I want to borrow € 10,000 €5,000 €75,000 Repayment Period 3 year 1 year 7 years Repayments on a loan of €10,000 over 3 years would be € 315 .21 per month Fixed interest rate from 8.4% APR Total amount repayable €11,347.64 Ready to move on? * Your interest rate and terms of credit will be determined once we have captured all your application details You deserve a loan built around you. Low fixed rate Our low fixed rates let you budget with confidence. No hidden fees No set-up or early repayment charges. Repayment periods on your term You can now pay back your loan over terms of up to 10 years. Fully online application Applying for a loan is a quick and simple process. If your loan is approved, the funds can be in your account as quickly as the next business day. To apply, you will need the following: Identity All four corners must be visible e.g Passport / Driver's Licence Address and Income such as an up-to-date bank statement PPS number E.g a recent payslip Additional details may be required. Find more information on the application process here Save money and go green Get our special loan rates for home energy upgrades and electric cars. Improve your comfort at home or on the road - and help the environment. Visit our Green Hub Our interest rates Ireland’s lowest rates on loans over €15,000!* We will assign you the appropriate rate based on your financial profile and credit history once your application has been reviewed. To find out more about the Loan Value and applicable Interest Rates take a look at our rate table below. Loans from Fixed interest rate APR €20,000+ 5.7%-13.9% 5.9%-14.8% €15,000-€19,999 7.0%- 14.4% 7.2%-15.4% €7,500- €14,999 8.4%-15.4% 8.7%-16.5% €5,000-€7,499 9.9%-15.4% 10.4%-16.5% On a €20,000 loan over 5 years, at a fixed rate of 5.7% (5.9% APR) you will pay €383.87 a month. Total cost of credit €3,032.34. Total amount repayable €23,032.34* Ready to apply? Check now to see if you're eligible to apply for the An Post Money Loan. Check your eligibility Still have questions? Get answers to some of the most frequently-asked questions about An Post Money Loans or get in touch with our customer service team to help with your application. Read the FAQs Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. *Rates and loan terms are correct as of 01 July 2021 and are subject to change. 7.2% APR is the best open market rate for unsecured loans from €15,000- €20,000. 5.9% APR is the best open market rate for loans over €20,000. Source: CCPC.ie. Personal loans are unsecured and not available for business purposes, house purchase or investment. Rate is dependent on your financial profile and credit history. Lending criteria, terms and conditions apply. Central Bank Compliance An Post acts as a credit intermediary on behalf of Avantcard DAC. An Post trading as An Post Money is authorised as a credit intermediary by The Competition and Consumer Protection Commission. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland. About An Post Corporate Social Responsibility Working with An Post Media Centre Customer Charter An Post Irish Book Awards English Security Privacy Terms of Use Accessibility Terms & Conditions Sitemap Manage We use cookies to personalise content and ads, analyse our traffic and share information about site usage with our social media, advertising and analytics partners. We need your consent to use cookies for this website. You can choose not to allow some types of cookies. Select “Manage” to find out more and change our default settings. You can adjust your preferences at any time. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer. Accept all