AIB
AIB provide full personal and business banking services and offer a range of loans including personal loans, home improvement loans and car loans at competitive rates. Online loans from €1,000 can be approved within 3 hours.
An Post Money
An Post Money offer a banking service that’s available at 900 post offices around Ireland. They offer fair, low fixed rate loans with eligibility approval in seconds. Special green loan rates are available for electric cars and home energy upgrades
Avant Money
Avant Money is a digital-only lending platform that offers credit cards and loans. With competitive rates and flexible payment terms, they promise a decision in minutes and no setup or early repayment fees.
Bank of Ireland
The Bank of Ireland provides personal and business banking. They offer a range of low-cost loans including personal, car and green home improvement loans for up to €65,000 and the option to repay loans early without fees.
Chill Money
Chill Money has teamed up with online lender, Avant Money to offer online personal loans at competitive rates. Whether you need a loan for a holiday or a new car, Chill Money aim to make borrowing simple.
KBC
KBC Bank Ireland plc is a ‘digital first’ bank offering some of the lowest rate loans in Ireland. They offer a discounted loan rate for current account customers and promise no setup or early repayment fees.
Permanent tsb
Permanent TSB of Ireland is a trustee savings bank offering a range of loans including personal, home improvement and cash secured loans. Current account holders can get cash into their account instantly for loans up to €25,000.
Ulster Bank
Ulster Bank provides personal and business banking and offer short and long term unsecured loans. They pledge no upfront fees or charges for setting up a loan and you can borrow between €2,500 and €75,000 for up to 10 years.
Where can you get a loan in Ireland?
Loans are available from banks, building societies, finance companies and credit unions. There are eight main loan providers in Ireland which you can view using our free loan comparison tool.
- AIB
- An Post Money
- Avant Money
- Bank of Ireland
- Chill Money
- KBC
- Permanent TSB
- Ulster Bank
You can also apply for a loan with other credit lenders such as the Credit Union who offer competitive interest rates and similar terms.
How to compare lenders
Our comparison tool and loans calculator allows you to compare each lender using your required loan amount and repayment term.
Compare the following features for each lender to help you choose the cheapest loan.
- Typical APR (Annual Percentage Rate)
- Total repayment
- Monthly cost
Choosing the right lender
The best lender for you will depend on your financial circumstances and credit rating. Here are several things you can do to make sure you are using the best lender for your borrowing needs.
- Check for any exclusive rates with your current bank: Some lenders offer favourable rates or exclusive loan products for existing customers. It’s worth checking out interest rates from your own bank or building society first.
- Check eligibility criteria: To qualify for a loan, you must be over 18 and a resident of the Republic of Ireland. A lender will decide whether you’re eligible for a loan based on repayment capacity, financial status and a credit checkwith the Irish Credit Bureau but approval may differ depending on the lender’s individual criteria.
- Use a loans calculator: The interest rate and total cost of your loan will depend on how much you borrow and how long for. Use our loans calculatorto find out the lenders typical APR and loan costs based on your specific borrowing needs.
- Compare typical interest rates: The lender will set the interest rate based on your ability to repay and credit history, however, you can get a fair idea of what the interest rate will be by looking at the ‘typical APR’. This indicates the interest rate given to the majority of customers.
- Find out about extra fees and charges: Some lenders may charge set up fees or early repayment fees. Late payment or missed payment fees will also differ between lenders. Check out the fine print before you apply so there are no surprises later on.
- Check the lender is regulated by the Central Bank of Ireland: All lenders have to be regulated by the Central Bank of Ireland. You can check whether your lender is regulated by using the Central Bank of Ireland’s Financial Service Provider Register Search.