Compare lenders in Ireland

Where can you get a loan in Ireland?

Loans are available from banks, building societies, loan brokers and money lending companies.

You can also apply for a loan with the Credit Union, which offers low interest rates and similar terms.

Switcher.ie’s free loan tool allows you to compare six leading loan providers.

Check loan rates and costs from these banks:

• AIB
• An Post Money
• Avant Money
• Bank of Ireland
• PTSB
• Revolut

Compare loans

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’s what you can do to ensure you use 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 check with the Central Credit Register (CCR) 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 calculator to find out the lender’s 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 the interest rate by looking at the ‘typical APR’.
• Find out about extra fees and charges: Some lenders may charge for set up or demand 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.
• Check the lender is authorised by the Central Bank of Ireland: All lenders must be regulated by the Central Bank of Ireland. You can check a lender by using the Central Bank of Ireland’s Financial Service Provider Register Search.