Avant Money Personal Loan
Take advantage of Ireland’s lowest fixed APR of 6.7% for loans over €30,000, with terms up to 10 years. Flexible amounts and no early repayment fees.
Avant Money offers one of the most competitive personal loans available in Ireland, especially if you’re looking to borrow over €30,000. Their headline feature is a fixed annual percentage rate (APR) of just 6.7% for qualifying amounts, among the lowest nationwide. Loan terms are flexible, ranging from 1 to 10 years depending on your borrowing needs, and you can apply for amounts between €5,000 and €75,000. Repayments are fixed and there are no early repayment fees, making budgeting straightforward for anyone considering a large expense or consolidation.
How to Apply: Step-by-Step Guide
- Decide how much you want to borrow and select your preferred loan term.
- Use the Avant Money online calculator to estimate repayments.
- Complete the simple application form online.
- Receive an instant eligibility check and preliminary decision.
- Upload your documents (ID, proof of income, bank statements as requested).
- Once approved, funds are transferred directly to your bank account.
Standout Pros
Avant Money’s fixed interest rates mean there are no surprises—monthly payments will not change throughout your term. The lack of early repayment penalties adds extra flexibility for those who may want to clear debts ahead of schedule. Customer service is available both online and by phone, and credit decisions are typically very quick.
If you need a smaller loan, options start from €5,000, though for the best rates, higher borrowing amounts over €30,000 are most attractive. Terms up to 10 years are available specifically for refinancing and home improvements, giving extra breathing room for major projects.
Main Cons
Borrowers with lower credit scores may find themselves offered a higher APR than the headline figure. Loans cannot be used for business, property purchase or investment purposes, restricting some uses.
The minimum loan amount of €5,000 may be a barrier for those seeking small, short-term credit.
Our Verdict
Avant Money’s personal loan stands out for its competitive fixed rates, straightforward application, and generous terms for large loans. If you are in Ireland and considering a significant financial commitment, this offer is one of the best on the market for transparency and predictability. It’s especially compelling for home improvement, refinancing or any large planned expense.
