To apply for a loan, you must be over 18 and a resident of the Republic of Ireland. The personal loan is unsecured and is subject to your repayment capacity, financial profile and a credit check.
We will need proof of identity, address and income to process your loan application.
You must send one piece of photographic evidence that is in date. We accept any of the following:
We will need one of the following documents, dated within the last three months:
When taking a photo of your proof of address, we need to see the full page clearly. Please ensure the image is not blurry so we can verify your address.
To verify your income we need to see your most recent personal bank statements for the account that your income is paid into. These should show your name and address. Bank statements can be downloaded as a PDF from all bank websites, on all devices.
If you are self employed, you can use your tax assessment forms for the last two years. These documents, which must include tax returns and Revenue acceptance forms, can be obtained from your accountant or from Revenue.
If your income is not paid into your account, you can use a photo or PDF of a payslip, social welfare receipt, your most recent pension statement or tax certificate.
The application process is an online one and documents can only be uploaded through our Document Centre. Please don't post your documents but check out our guide to uploading them online.
We don’t accept joint applications at this time but you can include income from another household member in your application, with their consent. If you do this, we will require their personal documents as well.
You need to include information about all rents and mortgages that you currently have.
There are no set-up fees with our loans. In certain situations, for example missed payments, fees and penalties may apply.
During the loan application process, we’ll tell you exactly how much you will have to repay including interest, depending on the size and term of your loan.
The interest rates that apply to your loan will also be detailed on your loan credit agreement. We will assign you the appropriate rate for you based on your financial profile and credit history once your application has been reviewed.
The Central Credit Register (CCR) is a new secure system for collecting information on credit applications and credit agreements of €500 or more.
It is owned and operated by the Central Bank of Ireland. We share your information with the CCR, which uses it to create individual credit reports.
The Central Bank 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 and subject to fair usage.
Find out more about what the CCR means for your loan application.
To see the information on your credit report you can request a copy at www.centralcreditregister.ie
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 9.9% - 15.4% fixed (10.4% - 16.5% APR) depending on your financial profile.
Personal loans of €7,500-€14,999 have rates from 8.4% - 15.4% fixed (8.7% - 16.5% APR) depending on your financial profile.
Personal loans of €15,000-€24,999 have rates from 7.0% - 14.4% fixed (7.2% - 15.4% APR) depending on your financial profile.
Personal loans of €25,000-€75,000 have rates from 6.7% - 13.9% fixed (6.9% - 14.8% 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.