Compare the representative APR but check whether you qualify — only around half of applicants typically receive the advertised rate; use soft-search eligibility checkers first.
19 live personal loans offers tracked across 19 Irish providers, with APRs from 5.90%. Data current as of 23 October 2026 and updated daily from the Giraffy database.
19 live offers compared from 19 providers, from 5.90% APR. Updated daily.
5.90% APR
Avant Money Personal Loan is a personal finance offer from Avant Money in Ireland. Key details — Interest Rate: 5.9% APR; Loan Amount: €5,000-€75,000; Loan Term: 1-7 years; Key Feature: Avant — Ireland's most competitive rate; digital-first.
5.99% APR
6.30% APR
6.90% APR
7.50% APR
7.50% APR
7.50% APR
7.90% APR
8.50% APR
8.90% APR
8.90% APR
9.50% APR
9.90% APR
9.90% APR
11.50% APR
12.90% APR
12.90% APR
14.90% APR
26.80% APR
A personal loan is an unsecured, fixed-term loan for a specific purpose such as a car, home improvements, a wedding or consolidating other debt. You borrow a set amount and repay it in equal monthly instalments over an agreed term, usually one to seven years, at a fixed interest rate expressed as an APR. Because it is unsecured, approval and pricing depend on your income, existing debts and credit record.
Personal loans are offered by the pillar banks, credit unions, An Post Money and specialist lenders such as Finance Ireland and Pepper Money, alongside digital banks including Bunq, Monzo and Starling. Credit unions are a distinctive and popular Irish choice, offering member loans at competitive rates. All lenders assess applications against the Central Credit Register, which records your existing loans and repayment history.
Fixed repayments — equal monthly instalments make budgeting predictable across the whole term.
No security required — unsecured lending means you do not risk your home or car.
Debt consolidation — combining higher-cost debts into one loan can lower your monthly outgoings.
Fast access — many lenders approve and pay out within a few days.
Compare the APR, which captures interest and fees, rather than the monthly payment alone, and check whether the rate is fixed. Look at the total cost of credit over the full term, confirm early-repayment terms, since some loans let you clear the balance without penalty, and borrow only what you need. Credit unions and your own bank are worth comparing against specialist and digital lenders for the best overall rate.
The pillar banks, EBS and An Post Money offer mainstream personal loans, while credit unions provide competitively priced member lending with a strong local presence. Finance Ireland and Pepper Money serve specialist and larger-loan needs, and digital banks such as Bunq, Monzo and Starling offer app-based borrowing. Rates and eligibility vary, so comparing several is worthwhile.
Advertised APRs typically range from around 5.9% to 26.8%, depending on the lender, the amount, the term and your credit profile. Larger loans and stronger applicants attract the lowest rates, while smaller or higher-risk loans cost more. Always compare the total cost of credit over the full term and check whether early repayment attracts any charge.
Lenders are regulated by the Central Bank of Ireland under the Consumer Protection Code and consumer credit legislation, which require clear disclosure of the APR and total cost of credit and affordability assessment. Applications are checked against the Central Credit Register. The Competition and Consumer Protection Commission offers guidance, and the Financial Services and Pensions Ombudsman resolves disputes.
What rate will I get? — It depends on the amount, term, lender and your credit record; larger loans and stronger profiles get lower APRs.
Can I repay early? — Many Irish personal loans allow early repayment without penalty, but confirm the terms before signing.
Do credit unions lend to anyone? — You generally need to be a member, but they are a competitive and popular option for Irish borrowers.
Giraffy tracks 19 personal loan products across 19 lenders in Ireland. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
Many lenders in Ireland offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.