Live your best life Loans
Fixed rate loans
Our fixed rates let you budget with confidence, with equal repayment amounts every month.
Low rates - 5.9% APR (Annual Percentage Rate) - Ireland’s lowest rate on loans over €20,000*
No hidden fees
No set-up or early repayment charges - no penalties if you choose to repay your loan earlier than planned.
Borrow on your terms
You can now pay back your loan over terms from one up to 10 years.
Borrow what you need
Borrow from €5,000 - €75,000
Fully online loan application
Applying for your loan is a quick and simple process
Our handy online calculator will help you to find the right option to suit your needs
Quick approval in principle
Eligibility approval is available in seconds
Help when you need it
Award winning contact centre based in Ireland
Fully online loan 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 to upload the following to the Document Hub:
Proof of Identity
such as Passport / Driver's Licence
Proof of Address
such as a utility bill
Proof of Income
such as an up to date bank statement
such as a recent payslip
Looking for a loan less than €5,000?
Apply in minutes for a simple and easy way to pay with a choice of one of An Post Money’s Credit Cards. Choose between Classic and Flex and avail of our great features.
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.
Ireland’s lowest interest rates on loans over €20,000*
Live your best life with our great rates. We will give you the appropriate rate based on your financial profile and credit history once we have reviewed your application.
||Fixed interest rate
5.7% - 13.9%
5.9% - 14.8%
€15,000 - €19.999
Handy Representative Example for you:
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. The total cost of credit would be €3,032.34 and the total amount repayable would be €23,032.34.
Ready to apply?
Check now to see if you're eligible to apply for the An Post Money Loan.
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 14th July 2022 and are subject to change. This is the best open market rate for unsecured loans over €20,000. Source: CCPC.ie. Rate is dependent on your financial profile and credit history. Lending criteria, terms and conditions apply.
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 Avant Money is regulated by the Central Bank of Ireland.