Compare loans Ireland with transparent criteria

This hub is built for people searching compare loans Ireland, online loans Ireland, quick loan options Ireland, personal loan comparison, and loans for bad credit Ireland. Instead of pushing speed-first messaging, we focus on total repayable cost, realistic monthly repayment pressure, and eligibility clarity. That helps you shortlist options that are practical for your budget before you submit a formal lender application.

Compare loans now

6+ lenders reviewed5 local pages mappedEditorial QA in rollout batches

Key signals for online loans in Ireland

Typical monitored range

EUR 500 - EUR 75,000

Common repayment horizon

6 - 84 months

Currency

Euro (EUR)

Reference authorities

Central Bank of Ireland, CCPC

How personal loan comparison works in Ireland

STEP 1

Set borrowing objective

Start with the minimum amount you need, then align term length with a monthly repayment you can sustain.

STEP 2

Compare cost and risk

Review total repayable amount, representative APR ranges, fees, and condition transparency across lenders.

STEP 3

Apply with confidence

Proceed only when the offer fits your cash-flow plan and terms are clearly disclosed on the lender site.

Why this comparison model is useful

Built around long-tail borrower intent, not generic rate tables.
Designed to compare quick loan options Ireland without ignoring affordability.
Supports personal loan comparison with consistent criteria across providers.
Includes trust framing with Central Bank of Ireland and CCPC reference sources.

Current representative cost example

Compare the rate, term, monthly repayment and total repayable amount before applying.

Amount: €5,000.00
Term: 24 months
Monthly repayment: €224.43
Fees: —
Representative rate: 7.25%–7.25%
Total repayable: €5,386.32

This is an illustrative market snapshot, not a guaranteed offer.

Checked: 2026-07-21 · Review due: 2026-08-31 · Central Bank of Ireland — Retail Interest Rates, May 2026

Core Ireland navigation

Apply Lenders Cities Methodology Blog

FAQ

Frequently asked questions: compare loans Ireland

Does Credizen lend directly in Ireland?

No. Credizen is a comparison service. Loan underwriting and final approval are always handled by the selected lender.

Which documents are usually requested?

Most lenders ask for ID, proof of income, bank details, and contact information. Additional checks depend on amount and product type.

Does browsing comparisons impact my credit file?

Reading and comparing content does not equal a formal credit application. Credit assessment starts when you apply with a lender.

What should I compare beyond the headline rate?

Review total repayable amount, fees, repayment term, and monthly affordability. These factors determine true borrowing cost.

Can I compare options for debt consolidation?

Yes. The comparison flow can help evaluate consolidation scenarios and whether a new structure improves monthly cash flow.

Is Credizen free for users?

Yes. Users do not pay to use the comparison hub. Credizen may receive partner commissions without changing editorial quality criteria.

How are options prioritised?

Ranking is based on fit between borrower context and offer profile: amount, term, clarity of conditions, and estimated suitability.

What is the key check before applying?

Make sure the repayment plan is sustainable in your monthly budget and that all fees and terms are clearly understood.

Important information

Credizen is a comparison service, not a lender and not a financial adviser. Content is general information for online loans Ireland research. Always verify contract terms, total repayable cost, and monthly affordability directly with the lender before accepting credit.

Verified 4 August 2026

Compare concrete Irish personal-loan products

The comparison is product-level: each row identifies the provider, named product, amount, term, APR evidence, representative cost and primary source. Use one identical amount and term across official calculators. A missing field means that a sufficiently current public value was not verified; it never means zero.

Provider	Financial product	Published amount	Published term	APR	Official example or evidence limit	Decision and funding	Checked	Official product page
AIB	AIB Personal Loan	1,000–75,000 EUR	12–60 months	8.95%	Official example: €1,500 over one year at 8.65% variable interest and 8.95% APR; 12 monthly instalments of €130.48; cost of credit €65.76 and total repayable €1,565.76. Online applications are limited to €30,000; higher amounts use assisted channels.	AIB says an online decision may be instant or referred for review, normally within three business hours. · Funds follow approval, acceptance and completion of the setup step; no universal guarantee.	2026-08-04	Official product page
Bank of Ireland	Bank of Ireland Personal Loan	2,000–75,000 EUR	12–60 months	Not currently verified — request the SECCI	The live official page confirms €2,000–€75,000 and one-to-five-year terms. Its visible rate table is dated 5 February 2025, so no rate is presented here as freshly verified; request the current SECCI and compare cost of credit for the same amount and term.	The official page describes a roughly 15-minute online application for eligible existing customers, not a guaranteed approval time. · Only after assessment and acceptance; confirm the current process with the bank.	2026-08-04	Official product page
PTSB	PTSB Personal Loan	1,500–75,000 EUR	6–120 months	6.2%–8.8%	Official example: €25,000 over five years at 5.99% variable interest and 6.2% APR; €483.20 monthly, cost of credit €3,992.23 and total repayable €28,992.23. Maximum APR shown is 8.8%; purpose-specific term limits apply.	Existing customers may receive a real-time decision in app or Open24, subject to assessment. · PTSB describes immediate transfer to the PTSB account when an eligible digital application is approved; this is not guaranteed for every case.	2026-08-04	Official product page
Avant Money	Avant Money Personal Loan	5,000–75,000 EUR	12–120 months	6.1%–19.9%	Official example: €30,000 over five years at a 5.9% fixed rate and 6.1% APR; €578.59 monthly, cost of credit €4,715.41 and total repayable €34,715.41. The rate table was stated current on 6 July 2026; term limits depend on amount and purpose.	The official journey says a quick answer is often available in minutes, but documents and underwriting can extend the process. · Payment follows approval, signed documents and verification; timing is not guaranteed.	2026-08-04	Official product page
An Post Money	An Post Money Personal Loan	5,000–75,000 EUR	12–120 months	6.9%	The official help page confirms fixed-rate personal-loan estimates from 6.9% APR, €5,000–€75,000 and one-to-ten-year terms, with the assigned rate depending on the applicant's financial profile and credit history. An Post acts as an exclusive credit intermediary for Bankinter S.A. trading as Avant Money.	Assessment starts once all requested information is received; there is no universal decision-time promise. · Only after approval and execution of the Bankinter/Avant Money credit agreement.	2026-08-04	Official product page
Revolut	Revolut Personal Loan	2,000–30,000 EUR	12–60 months	6.5%–12.99%	Official example: €5,000 over three years at 6.31% variable interest and 6.50% APR; 35 payments of €152.82 and a final payment of €152.75; total interest €501.45 and total repayable €5,501.45. The assigned rate depends on credit profile, amount and term.	Revolut says a decision should normally arrive within three business days, subject to checks and any document request. · If approved and accepted, disbursement is made to the Revolut account immediately.	2026-08-04	Official product page

Public information, not a personal offer. The provider decides approval and final terms. Compare the current Standard European Consumer Credit Information for the same amount and term before signing.