Loans in Ireland: compare with clearer criteria

Use this hub to compare loan structures in Ireland based on cost transparency, affordability, and lender eligibility criteria.

Focus on total repayable amount, APR context, and repayment sustainability before you submit a formal lender application.

How to compare loans in practice

Set the smallest realistic borrowing amount for your objective.
Compare APR, fees, and total repayable amount side by side.
Test repayment comfort against your monthly budget.
Review lender eligibility and required documentation.
Apply only when terms are clear and financially sustainable.

Common loan types

Personal loans

Fixed-term borrowing with set repayments. Useful for planned expenses where repayment predictability matters.

Debt consolidation loans

Combines existing balances into one repayment. Compare total cost carefully before refinancing.

Credit union loans

Often community-focused with member criteria. Terms and access can vary by branch and membership status.

Specialist products

May fit specific profiles but can carry higher cost. Prioritise full fee transparency and affordability checks.

Current named products in scope

The scope is unsecured personal lending offered to Republic of Ireland residents by major banks and established non-bank channels. We compare each product separately. We do not transfer a provider-wide minimum rate to every variant, and we leave a rate blank when the public evidence is old or insufficiently current.

Provider	Financial product	Amount	Term	APR	Representative evidence	Process	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

Use the same amount and term for every comparison. The current SECCI and personal credit agreement override public examples.

Frequently asked questions

What loan types can I compare in Ireland?

You can compare personal loans, credit union loans, debt-consolidation options, and selected specialist products depending on lender criteria.

What should I compare first?

Start with total repayable amount, APR, fees, and term length. These factors show the true borrowing cost better than a headline monthly figure.

Is a lower monthly payment always better?

Not always. Lower monthly payments can come from longer terms and higher total cost. Compare total repayment and affordability together.

How do I check if a lender is regulated?

Use the Central Bank of Ireland register to verify lender authorisation and review regulatory information before applying.

Can I compare options before any formal application?

Yes. This page is for research and comparison. Formal credit checks and final decisions happen only when you apply with a lender.

Does Credizen provide financial advice?

No. Credizen is a comparison platform and does not provide personalised financial advice.

Important information

Credizen is a comparison service, not a lender and not a financial adviser. Final approval, pricing, and contractual terms are always determined by the lender.

Always verify current terms and ensure repayments fit your budget before entering into any credit agreement.