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Get Ireland's best fixed rate – Loans from 6.9% APR

Make your money matter more with a Refinance Loan from An Post Money. Find the right option for you with our handy calculator.

 year

Repayments on a loan of over would be

per month
Fixed interest rate from % APR
Total amount repayable €

Looking to refinance or consolidate your existing loans?

Our quick application will get your sorted in no time.

  • Check eligibility in seconds
  • Get approval in principle in minutes with our fully online loan application
  • Low fixed interest rates - budget with confidence, with equal repayment amounts
  • No set-up or early repayment fees
  • Borrow from €5,000 up to €75,000 over terms up to 10 years for refinance loans
  • See how much you can afford using our loan calculator
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. 

Quick and simple application

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

Passport / Driving Licence

Proof of Address and Income

Utility bill or up-to-date bank statement

Proof of PPSN

Recent payslips 

Ready to apply?

Apply online or call our dedicated team on 01 9456715 (8am - 8pm Monday to Friday, and 8am - 2pm Saturday excluding Bank Holidays).

Our interest rates

Loans from Fixed interest rate APR*

€20,000 - €75,000

6.9% - 16.9%

€5,000-€19,999

8.4%-18.3%

8.7%-19.9%


Handy Representative Example for you:
On a €20,000 loan over 5 years, at a fixed rate of 6.7% (6.9% APR) you will pay €393.20 a month. The total cost of credit would be €3,591.96 and the total amount repayable would be €23,591.96.

Save Money - Go Green

Apply for a great fixed rate green loan for your green home energy upgrade or electric car.
Make your money matter more - improve your energy efficiency, save on bills and help the environment. 

Green Loans

Things to know

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 loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

*Information correct as of 22nd February 2024. Souce CCPC.ie. Lending criteria T&Cs apply. Rate is dependent on your financial profile and credit history.
An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. An Post acts as a credit intermediary on behalf of Avantcard DAC who provide loan and credit card services and facilities.  Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.