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Looking to refinance or consolidate your existing loans?

Our quick application will get your sorted in no time.

  • Get eligibility approval in seconds with our online loans.
  • Great fixed interest rate, giving you the same repayment each month allowing you budget with confidence.
  • No set-up or early repayment fees
  • Borrow up to €75,000
Consolidating your Credit into one loan may work out more expensive further down the line as you extend the term of your loan and incur more interest. 

Fully online application process

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:

Proof of ID

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

Proof of Address/Income

Up to date bank statements are required

Proof of PPSN

e.g recent payslips can be used as proof of PPSN.

Loan calculator

 year

Repayments on a loan of over would be

per month

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

€20,000+

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%

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*

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

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 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: CCPC.ie. 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.