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 €
Based on a €5,000 fixed rate loan over 3 years, the monthly repayments would be €156.91. The rate would be 8.1% fixed nominal interest rate. The Annual Percentage Rate (APR) would be 8.4%. The total cost of credit would be €648.85. The total amount repayable would be €5,648.85.
Based on a fixed rate loan
over , the monthly repayments would be €. The rate
would be % fixed nominal interest rate. The Annual Percentage Rate (APR) would be %. The total cost of credit would be €. The total
amount repayable would be €.
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
Calculator
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
Looking for a promo code?
Did you know, if you are applying for a Personal Loan, you get a free €15 One4all Gift Card upon drawdown?
All you need to do is enter a promo code when applying. Find the promo code linked to your local post office.
Promo Code
Promo Code
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 |
|
€20,000+
|
5.7% - 13.9%
|
5.9% - 14.8%
|
|
€15,000 - €19.999
|
7.0%- 14.4%
|
7.2%-15.4%
|
|
€7,500- €14,999
|
8.4%-15.4%
|
8.7%-16.5%
|
|
€5,000-€7,499
|
9.9%-15.4%
|
10.4%-16.5%
|
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.