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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 refinance and consolidation loans.
  • Great fixed interest rate, giving you the same repayment each month allowing you to budget with confidence.
  • No set-up or early repayment fees.
  • Borrow from €5,000 up to €75,000 over terms up to 10 years.
  • Use our handy loan calculator to see how much you can afford.
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 loan application process

Applying for a debt consolidation 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 to upload the following to the Document Hub:

Proof of Identity

such as Passport / Driver's Licence

Proof of Address

such as a utility bill

Proof of Income

Up to date bank statements are required

Proof of PPSN

such as recent payslips 

Debt consolidation loan calculator


Repayments on a loan of over would be

per month

Our interest rates

Ireland’s lowest rates on debt consolidation loans over €20,000*

Live your best life with our great rates. We will give you the appropriate rate based on your financial profile and credit history once we have reviewed your application.

Loans from Fixed interest rate APR




7.0%- 14.4%


€7,500- €14,999






Handy Representative Example for you:
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. The total cost of credit would be €3,032.34 and the total amount repayable would be €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 our refinance and debt consolidation loans or contact 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 July 2022 and are subject to change. This is the best open market rate for unsecured loans over €20,000. Source: Rate is dependent on your financial profile and credit history. Lending criteria, terms and conditions apply.
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 Avant Money is regulated by the Central Bank of Ireland.