Independent Lending Research

Compare personal loans

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

Loan Categories
Personal Loans
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Rates updated daily
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Editorial methodology

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PTSB Personal Loan

Provider Permanent TSB
Min APR % 6.2%
Max APR % 8.8%
Min Amount €1,500
Max Amount €75,000
Min Term (months) 12 months
Max Term (months) 60 months
Approval Time Approval in minutes online or in-app
Requirements Age 18+, Republic of Ireland resident, PTSB current account required for drawdown, Registered for Open24 Online Banking for instant approval
Type Personal

The PTSB Personal Loan offers competitive rates for those needing larger sums, but its variable rate might be a concern for some borrowers.

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AIB Personal Loan

Provider AIB
Min APR % 8.65%
Max APR % 8.95%
Min Amount €1,000
Max Amount €50,000
Min Term (months) 12 months
Max Term (months) 60 months
Approval Time Decision within 3 hours for online applications
Requirements Age 18+, Republic of Ireland resident, AIB current account for online applications, 3-hour online approval for loans under €30,000
Type Personal

AIB offers a competitive personal loan option with a green loan feature that stands out for eco-conscious borrowers.

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Bank of Ireland Personal Loan

Provider Bank of Ireland
Min APR % 7.1%
Max APR % 8.9%
Min Amount €2,000
Max Amount €75,000
Min Term (months) 12 months
Max Term (months) 60 months
Approval Time Online applications in about 15 minutes for existing customers
Requirements Age 18+, Resident in the Republic of Ireland, Existing Bank of Ireland current account required for online application, Graduate rate available from 5.0% APR for up to €5,000
Type Personal

The Bank of Ireland Personal Loan offers flexible terms and competitive rates, making it a solid option for those in need of financing.

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Credit Union Personal Loan

Provider Irish Credit Unions
Min APR % 8%
Max APR % 12.68%
Min Amount €1,000
Max Amount €75,000
Min Term (months) 12 months
Max Term (months) 120 months
Approval Time Varies by credit union, many offer quick approval
Requirements Credit union membership required, Republic of Ireland resident, Loan interest rebate available at year-end
Type Personal

Irish Credit Union personal loans offer community-focused lending with flexible terms, making them suitable for various borrowing needs.

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