You deserve more than a bank, like a fair loan with eligibility approval in seconds.
Making money simple and easy for you
Low fixed rate
Our low fixed rates let you budget with confidence.
No hidden fees
No set-up or early repayment charges.
Repayment periods on your term
Pay back your loan over terms of up to seven years.
Loan calculator
Repayments on a loan of over would be
€
per month
Ready to move on?
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 €.
Fast track your loan
Applying for a loan is a quick and simple process. You will need proof of your:
Identity
All four corners must be visible e.g Passport / Driver's Licence
Address and Income
such as an up-to-date bank statement
PPS number
E.g a recent payslip
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
We’re offering the best rate in the market for loans
between €15,000 and €19,999!*
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 |
| €5,000 - €7,499 |
9.9% - 15.4% |
10.4% - 16.5% |
| €7,500 - €14,999 |
8.4% - 15.4% |
8.7% - 16.5% |
| €15,000 - €24,999 |
7.0% - 14.4% |
7.2% - 15.4% |
| €25,000+ |
6.7% - 13.9% |
6.9% - 14.8% |
On a €15,000 loan over 5 years, at a fixed rate of 7.0% (7.2% APR) you will pay €297.02 a month. Total cost of credit €2,821.08. Total amount repayable €17,821.08*
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 January 2021 and are subject to change. This is the best open market rate for unsecured loans between €15,000 and €19,999. Source: CCPC.ie. Rate is dependent on your financial profile and credit history. Maximum APR (Annual Percentage Rate) is 16.5%. Minimum loan term is 12 months and maximum term is 84 months (for Home Improvement loans only). On a €15,000 loan over 5 years, at a fixed rate of 7.0% (7.2% APR) you will pay €297.02 a month. Total cost of credit €2,821.08. Total amount repayable €17,821.08 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.