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 year

Repayments on a loan of over would be

per month

Ready to move on?

Why take a loan out with An Post Money?

Fixed interest rates

Equal repayment amounts every month.

No hidden charges

No set-up or early repayment fees.

Repayment periods to suit you

Flexible repayment periods of up to seven years.

Borrow between €5k -€75k

Use our handy loan calculator to see how much you can afford.

Decision in minutes

Eligibility approval in seconds with a speedy online application.

Low interest rates

Ireland's lowest loan rate in the market on loans over €20k.

Interest rates

Once your application has been reviewed, we will assign you with the appropiate rate depending on your financial profile and credit history. Take a look at our rate table below for information on the Loan Rate and applicable Interest Rates. 

Loans from Fixed interest rate APR
€5,000 - €7,499 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%
€20,000+ 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

An Post Money Loan

Get Ireland’s lowest loan rate of 5.9% for a loan of over €20,000. Whether you’re buying a new car or renovating your home, we have a loan for you.

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.