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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

 year

Repayments on a loan of over would be

per month

Ready to move on?

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

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

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 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.