Skip to main content

5.9% APR - Ireland’s lowest fixed rate loans over €20,000*

Live your best life loans from An Post Money. Whether you’re dreaming of a new car, planning a holiday or to extend your home, with a loan from An Post Money, you can live your best life and get whatever you’ve been pining over. Find the right option for you with our handy online loan calculator.


Repayments on a loan of over would be

per month
Fixed interest rate from % APR
Total amount repayable €

* Your interest rate and terms of credit will be determined once we have captured all your application details

Live your best life Loans

Fixed rate loans

Our fixed rates let you budget with confidence, with equal repayment amounts every month.

Low rates

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

PPS number

such as a recent payslip

Additional details may be required. Find more information on the application process here

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.
Improve your comfort at home or on the road - and help the environment.

Visit our Green Hub

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.

Loans from Fixed interest rate APR


5.9% - 14.8%

€15,000 - €19.999 

7.0%- 14.4%


€7,500- €14,999






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: 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.