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Ireland’s lowest rate on loans over €20,000*

5.9% APR - Ireland’s lowest rate on loans over €20,000*. Whether you’re looking for a new kitchen or attic conversion, want a new car or a landscaped garden escape, get a loan designed with you in mind. Use our handy online loan calculator to find the right option to suit your needs.


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

You deserve a loan built around you.

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Low fixed rate

Our low fixed rates let you budget with confidence.

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No hidden fees

No set-up or early repayment charges.

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Repayment periods on your term

You can now pay back your loan over terms of up to 10 years.

Fully online 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 the following:

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All four corners must be visible e.g Passport / Driver's Licence

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Address and Income

such as an up-to-date bank statement

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PPS number

E.g 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 the An Post Money Credit Card. 

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

Our interest rates

Ireland’s lowest rates on loans over €15,000!*

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.

Loans from Fixed interest rate APR




7.0%- 14.4%


€7,500- €14,999






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*

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
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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 01 July 2021 and are subject to change. 7.2% APR is the best open market rate for unsecured loans from €15,000- €20,000. 5.9% APR is the best open market rate for loans over €20,000. Source: Personal loans are unsecured and not available for business purposes, house purchase or investment. Rate is dependent on your financial profile and credit history. Lending criteria, terms and conditions apply.

Central Bank Compliance

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 Competition and Consumer Protection Commission. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.