Avant Money
Get competitive fixed rates, from 6.7% APR on loans over €30k, up to €75k. Flexible terms and no early repayment fees make this loan a great choice.
Avant Money’s Personal Loan offers one of Ireland’s most attractive fixed rates, especially for amounts over €30,000. Loans range from €5,000 to €75,000. The standout rate is a low fixed interest from 6.7% APR, with monthly repayments set for the loan’s lifetime.
Terms are flexible, from 1 year up to 10 years, depending on your needs. Early repayment is possible with no additional fees, allowing borrowers to clear their debt ahead of schedule without penalty. The loan is unsecured, so no collateral is needed.
Applicants must be over 18 and resident in Ireland. Creditworthiness will be assessed and you’ll need to provide proof of income, ID, and bank statements before approval. The entire process is easily completed online, with a response usually within minutes.
How to Apply: Step by Step
First, decide how much you wish to borrow and for how long. Input your details into Avant Money’s online calculator to preview monthly repayments and eligibility.
Next, complete the online application form. After submission, you’ll receive an instant decision in most cases. If approved, you’ll be asked to provide proof of identity, address, bank statements, and payslips.
Once all documents are verified, the funds are transferred directly to your account. You then begin repaying the agreed monthly amount from the following month onwards.
Key Advantages
One of the biggest pros is the guaranteed fixed rate—monthly payments remain the same throughout, making budgeting straightforward. Avant Money’s low fixed APR for high-value loans stands out in the Irish market.
No penalty for early repayment is another advantage. You’re free to repay in full at any time without extra charges, granting flexibility should your circumstances improve.
Potential Drawbacks
Interest rates vary depending on your credit profile and loan value—the best rates are reserved for those with excellent credit and larger loans. Smaller loan amounts incur higher APR.
The minimum loan size (€5,000) may not suit those seeking very small personal loans. Full approval requires documentation and a good credit record.
Our Verdict
Avant Money’s Personal Loan stands out for fixed rates, borrower-friendly terms, and fast online process. For sums over €30k, this is among the best-value options available in Ireland. Attractive for both flexibility and certainty of repayments, this loan should be on your shortlist if you meet the criteria.
