Choose the type of repayment plan that suits both your financial circumstances and the type of loan you want. You can repay your loan over any period from one to five years.
If you’re interested in a loan to improve your home, you can spread your repayments over seven years, if you borrow €20,000 or more.
You can make repayments on your loan automatically by direct debit, according to the terms of your loan agreement.
If you’re late with a payment, you can use your debit card to make it, by calling us on 0818 205 410.
Download a direct debit mandate if you need to set up a new direct debit or change an existing direct debit on your loan account.
If your monthly repayment doesn’t reach your loan account by the required date, there’ll be a €10 fee, which will be applied each time this happens.
You should also immediately pay the amount of any missed payment. You can do this by using your debit card - just call us on 0818 205 410.
If you are experiencing financial difficulty, there are steps you can take to deal with the situation. First, you should carry out a thorough review of your financial circumstances. You can do this by:
Then call us with the details of your finances on 0818 211 555 and we’ll discuss the options available to you.
The best way to cut your spending is to create a budget. As most bills are paid monthly, work out how much you earn each month and then how much you spend in a month.
The following tips can help you to reduce non-essential spending:
Websites such as consumerhelp.ie offer a free comparison service on household bills like gas, electricity, phone, broadband and mortgage and may help reduce expenditure.
If you would like us to help you review your financial situation, use our Income and Expenditure form. Just print, complete and return it to us at: An Post Money Customer Assistance Team, PO Box 25, Dublin Road, Carrick-on-Shannon, County Leitrim.
Once your monthly budget is in place and you start reducing your expenditure, contact your lenders and creditors. We can help you tackle your debts so ensure you contact us to let us know you are in difficulty.
You will be charged a €10 fee if your loan account falls into arrears.
This will apply each time your monthly repayment does not reach your loan account in cleared funds by the payment date. We will add this default charge directly to your account.
You may be charged the following fees if you miss a payment on your credit card:
Please call us on 0818 205 410 to make suitable arrangements for repaying your personal loan.
Our personal loan interest rates are fixed for the duration of the loan and, if you choose to pay the loan off early, you will not incur any early repayment penalties.
Find out more about what you should do if you are struggling with your repayments.
If you are experiencing difficulties, call us on 0818 205 410 and we can go through a quote with you over the phone or make any changes and amendments you require to your application form.
We will assign you the appropriate rate for you based on your financial profile and credit history once your application has been reviewed.
Personal loans of €5,000-€7,499 have rates from 10.4% - 13.4% fixed (10.9% - 14.3% APR) depending on your financial profile.
Personal loans of €7,500-€14,999 have rates from 9.5% - 12.7% fixed (9.9% - 13.5% APR) depending on your financial profile.
Personal loans of €15,000-€24,999 have rates from 9.1% - 12.2% fixed (9.5% - 12.9% APR) depending on your financial profile.
Personal loans of €25,000-€75,000 have rates from 5.7% - 11.8% fixed (5.9% - 12.5% APR) depending on your financial profile.
Once your application has been approved in principle, we’ll send you an email which will outline your approved terms, including your interest rate. There will also be a link to our document hub. This is where you will upload the documents so we can finalise your application and send your loan amount straight into your current account.
Can't find what you're looking for? Contact our Loans Customer Service Team.