Avant Money
Affordable personal loans with fixed rates from 6.7% APR for €30,000+, flexible terms up to ten years and no early repayment charges.
Avant Money’s personal loans stand out for offering fixed interest rates from just 6.7% APR for loans over €30,000, making them one of the most competitive options on the Irish market now. Loan amounts range from €5,000 to €75,000, and borrowers can choose terms from twelve months up to ten years (for qualifying home improvement and refinance loans). Notably, there are no early repayment fees at any stage.
Aside from fixed rates, the transparency and flexibility appeal to a variety of needs—from buying a car to consolidating debt or funding major home improvements. Credit approval depends on your financial profile, and all lending follows strict consumer protections.
How to Apply: Step by Step
1. Decide the loan amount and repayment term you need.
2. Use Avant Money’s online loan calculator to estimate monthly repayments.
3. Complete the quick online application form.
4. Submit proof of identity, address, income, and a recent bank statement.
5. If approved, funds are transferred digitally, and you begin repaying at the agreed monthly rate.
Key Benefits
The main positives are highly competitive fixed interest rates, especially for loans over €30,000, combined with no penalties for early repayment. This gives borrowers great cost certainty and flexibility.
Loan decisions are available quickly online, supported by transparent eligibility checks. The versatility in usage—from car purchases to home refurbishments—means the product suits a broad range of financial goals.
Key Drawbacks
Applicants with an impaired credit history may not get access to the most attractive rates. Additionally, maximum term options are reserved for larger loans or specific purposes like refinancing or home improvements.
The loans aren’t available for business use, home purchases, or investments, so it may not suit niche financing needs outside personal consumer expenses.
Our Verdict
Avant Money’s personal loans are a strong contender for Irish borrowers seeking predictability, competitive rates, and simple digital access. If you’re planning a major personal purchase or looking to refinance at a better rate, their offering deserves serious consideration.