Whether you’re looking to refinance or consolidate your existing loans, live your best life with a great rate loan from An Post Money. Use our handy online loan calculator to find the right option to suit your needs.
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
Based on a €5,000 fixed rate loan over 3 years, the monthly repayments would be €156.91. The rate would be 8.1% fixed nominal interest rate. The Annual Percentage Rate (APR) would be 8.4%. The total cost of credit would be €648.85. The total amount repayable would be €5,648.85.
Based on a fixed rate loan
over , the monthly repayments would be €. The rate
would be % fixed nominal interest rate. The Annual Percentage Rate (APR) would be %. The total cost of credit would be €. The total
amount repayable would be €.
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 |
|
€20,000+
|
5.7%-13.9%
|
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%
|
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: CCPC.ie. 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.