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Loan calculator


Repayments on a loan of over would be

per month

Why take a loan out with An Post Money?

Fixed interest rates

Equal repayment amounts every month.

No hidden charges

No set-up or early repayment fees.

Repayment periods to suit you

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

Borrow between €5k -€75k

Use our handy loan calculator to see how much you can afford.

Decision in minutes

Eligibility approval in seconds with a speedy online application.

Low interest rates

5.9% APR - Ireland’s lowest rate on loans over €20,000*

Interest rates

Once your application has been reviewed, we will assign you with the appropiate rate depending on your financial profile and credit history. Take a look at our rate table below for information on the Loan Rate and applicable Interest Rates. 

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*

An Post Money Loan

Whether you want to get a new car or landscape a summer garden escape, you deserve loans built around you. 

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

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.