Ireland's best loan rates

We help you compare the best loans in Ireland for low cost borrowing. Use our loan calculator to get the best rates.

Personal Loans

Choose the best loan for life's big purchases.

Compare personal loans now
Compare personal loans now

Home Improvement Loans

Find the ideal loan to transform your home.

Compare home improvement loans now
Compare home improvement loans now

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Find the right loan for your needs

Whether you are thinking of buying a new car or planning a kitchen makeover, a loan can be a useful boost to your finances and help turn goals into reality.

At Switcher we can help you make the right borrowing choices with our helpful guides and loans comparison tool.

Our complete guide to loans tells you all you need to know about borrowing and our online loan comparison tool helps you compare personal and home improvement loans to find the most competitive rates and terms that suit how you manage your money.

Personal loans

A personal loan is a simple way of borrowing money. You can use the money how you please once you have been approved for credit.

You can choose how much you want to borrow, up to €75,000, and how long you need to pay it back. The loan provider will set the terms and conditions based on your credit history.

Home Improvement loans

A home improvement loan is a loan specifically to help you pay for renovations, refurbishment and repairs. You can borrow between €1,000 and €75,000 over a period of one to 10 years, but amounts and terms may differ between lenders.

A Green home improvement loan is useful if you want to improve your home’s energy efficiency because they’re offered with lower interest rates. Only specific work may be approved and you will need to provide proof when you apply for the loan e.g. a quote or invoice.

How to compare loans

If you’re new to borrowing and want to find out more, visit our complete guide to loans to get started.

If you know what you want, simply use our loan repayment calculator to find how much your required loan will cost with each lender. Our loan comparisons can help you weigh up costs and pick a lender without having to visit lots of different banks and building societies.

We show the typical APR (Annual Percentage Rate) but bear in mind that the interest rate you’re ultimately offered may differ.

Here’s a quick rundown of the features you need to compare:

Feature Meaning  
Typical APR The interest rate given to the majority of customers including lender fees and charges  
Interest rate The headline rate of interest not including fees & charges  
Total repayment The overall cost of the loan at the end of the repayment period  
Monthly repayment The amount you’ll repay each month  

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What to do next

Once you’ve made your choice, it’s a good idea to go to the lender’s website to check the finer details of the loan. Before you go ahead and make an application, find out if:

Also, find out about charges for late or missed payments if you think you may default occasionally.

Once you’ve made your application, the loan provider will credit check you. This may leave a footprint on your record which could lower your credit score if undertaken multiple times.

Before applying, check your credit record is up to date and in good shape. Our helpful article, How to check your credit record guides you through how to check and boost your credit rating so you can be confident your loan application is approved.

Warning: The cost of your monthly repayments may increase. Warning: you may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not keep up your repayments you may lose your home. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Information provided and Interest rates quoted valid at 13/05/2022