Independent Lending Research

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Rates updated daily
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Editorial methodology

Recently added

PTSB Personal Loan

niche id personal_loans
provider Permanent TSB
apr min 6.2
apr max 8.8
amount min 1500
amount max 75000
currency EUR
term months min 12
term months max 60
loan type personal
requirements ['Republic of Ireland resident', 'Subject to lending criteria']
approval time Apply online
apr min currency EUR
apr max currency EUR
amount min currency EUR
amount max currency EUR
price snapshots [{'timestamp': '2026-05-12T19:45:49.153679+00:00', 'values': {'apr_min': 6.2, 'apr_max': 8.8}}]

PTSB offers Ireland's most competitive personal loan rate at 5.99% (6.2% APR) for loans of €25,000 and above. Variable rates mean repayments can change, but the tiered structure rewards higher borrowing with significantly lower costs.

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Revolut Personal Loan

niche id personal_loans
provider Revolut
apr min 6.5
apr max 16.99
amount min 2000
amount max 30000
currency EUR
term months min 12
term months max 60
loan type personal
requirements ['Republic of Ireland resident', 'Age 18+', 'Revolut account required']
approval time Apply in-app, quick decision
apr min currency EUR
apr max currency EUR
amount min currency EUR
amount max currency EUR

Revolut offers a fully digital personal loan experience with competitive rates from 6.5% APR. Entirely managed through the Revolut app — apply, spend, and repay all in one place. The €30,000 cap is lower than traditional banks, but approval speed and fee-free early repayment make it attractive for mid-range borrowing.

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Credit Union Personal Loan

niche id personal_loans
apr min 8.0
apr max 12.7
loan type personal
apr min currency EUR
apr max currency EUR
provider Irish Credit Unions
amount min 1000
amount max 75000
currency EUR
term months min 12
term months max 60
requirements ['Credit union membership required', 'Republic of Ireland borrower']
approval time Varies by local credit union
amount min currency EUR
amount max currency EUR
price snapshots [{'timestamp': '2026-04-30T09:05:49.875524+00:00', 'values': {'apr_min': 8.0, 'apr_max': 12.7}}]
original image url https://www.creditunion.ie/App_Themes/Custom/favicons/apple-touch-icon.png

Credit unions remain a credible community-first route in Ireland, especially for borrowers who value flexibility and local underwriting, but the typical pricing is not the cheapest headline rate in the market.

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Avant Money Personal Loan

niche id personal_loans
provider Avant Money
apr min 6.7
apr max 19.9
amount min 5000
amount max 75000
currency EUR
term months min 12
term months max 120
requirements ['Republic of Ireland resident', 'Subject to lending criteria and credit assessment']
approval time Check eligibility online
loan type personal
apr min currency EUR
apr max currency EUR
amount min currency EUR
amount max currency EUR
price snapshots [{'timestamp': '2026-05-06T08:04:35.754895+00:00', 'values': {'apr_min': 6.7, 'apr_max': 19.9}}]
original image url https://www.avantmoney.ie/o/avantmoney-theme/images/favicon.ico

Avant Money offers Ireland's best fixed rate at 6.7% APR for loans over €30,000, with terms up to 10 years for loans from €20,000. Fixed rates give certainty on monthly repayments, which most Irish competitors cannot match with their variable-only products.

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Bank of Ireland Personal Loan

niche id personal_loans
apr min 7.1
apr max 8.9
loan type personal
apr min currency EUR
apr max currency EUR
provider Bank of Ireland
amount min 2000
amount max 75000
currency EUR
term months min 12
term months max 60
requirements ['Age 18+', 'Resident in the Republic of Ireland', 'Existing Bank of Ireland current account required for online application']
approval time Online applications in about 15 minutes for existing customers
amount min currency EUR
amount max currency EUR
price snapshots [{'timestamp': '2026-04-30T09:05:08.674642+00:00', 'values': {'apr_min': 7.1, 'apr_max': 8.9}}]
original image url https://boi-public-assets.s3-eu-west-1.amazonaws.com/images/icons/apple-touch-icon.png

Bank of Ireland is one of the stronger broad-market Irish personal-loan offers, with €2,000 to €75,000 available and variable rates from 7.1% to 8.9% APR, plus no penalty for extra repayments on the variable loan.

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AIB Personal Loan

niche id personal_loans
apr min 8.95
apr max 8.95
loan type personal
apr min currency EUR
apr max currency EUR
provider AIB
amount min 1000
amount max 50000
currency EUR
term months min 12
term months max 60
requirements ['Republic of Ireland resident', 'Age 18+']
approval time Apply online
amount min currency EUR
amount max currency EUR
price snapshots [{'timestamp': '2026-04-30T09:05:05.955262+00:00', 'values': {'apr_min': 8.95, 'apr_max': 8.95}}]
original image url https://aib.ie/apple-touch-icon.png

AIB's standard personal loan rate is 8.95% APR, which sits above several competitors. However, AIB's Green Personal Loan offers a market-leading 6.4% APR for eco-friendly purposes like solar panels, heat pumps, and electric vehicles — making it one of Ireland's cheapest loan options for green spending.

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An Post Personal Loan

niche id personal_loans
apr min 6.9
apr max 8.4
loan type personal
apr min currency EUR
apr max currency EUR
provider An Post Money
amount min 5000
amount max 75000
currency EUR
term months min 12
term months max 84
requirements ['Republic of Ireland resident', 'Subject to lending criteria and credit history']
approval time Apply online
amount min currency EUR
amount max currency EUR
price snapshots [{'timestamp': '2026-04-30T09:05:47.612173+00:00', 'values': {'apr_min': 6.9, 'apr_max': 8.4}}]
original image url https://www.anpost.com/fe-build/images/icons/icon-4x.png

An Post is one of the sharpest mainstream Irish options right now, with fixed-rate pricing from 6.9% APR on larger personal loans and up to €75,000 available over as long as 7 years.

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