Making money simple and easy for 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
Pay back your loan over terms of up to seven years.
Save money and go green
Get our special loan rates for home energy upgrades and electric cars.
Visit our Green Hub
Improve your comfort at home or on the road - and help the environment.
Fast track your loan
Applying for a loan is a quick and simple process. You will need proof of your:
All four corners must be visible e.g Passport / Driver's Licence
Address and Income
such as an up-to-date bank statement
E.g a recent payslip
Additional details may be required. For more information on the application process click here
Ready to move on?
Our interest rates
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.
||Fixed interest rate
|€5,000 - €7,499
||10.4% - 13.4%
||10.9% - 14.3%
|€7,500 - €14,999
||9.5% - 12.7%
||9.9% - 13.5%
|€15,000 - €19,999
||9.1% - 12.2%
||9.5% - 12.9%
||5.7% - 11.8%
||5.9% - 12.5%
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*
Things to know
View all our money products
Need a better way to manage your money?
At An Post Money, we can help with your financial needs from handling your daily finances to getting foreign currency or a personal loan. We know it's not our money, it's yours.
View all our money products
Get in touch
If you have any questions about our loans or your application, please get in touch with our customer service team.
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 4th March 2020 and are subject to change. Rate is dependent on your financial profile and credit history. Maximum APR (Annual Percentage Rate) is 14.3%. Minimum loan term is 12 months and maximum term is 84 months (for Home Improvement loans only, subject to a minimum loan value of €20k). Source CCPC.ie. 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. Lending criteria, terms and conditions apply.
Central Bank Compliance
Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland
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 CCPC.
Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland. Avantcard DAC is a designated activity company incorporated in Ireland under number 541980 and having its registered office at Dublin Road, Carrick-on-Shannon, Co Leitrim.