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Next steps once you have been approved

Once your application for a loan or new credit card has been approved, we’ll send you an email with a link to our document hub. This is where you will upload the documents to complete your application and we can then order your new credit card or send your loan amount straight into your current account.

How to upload your documents

How to upload your documents

1Log in to the Avantcard Document Hub

Where you will be prompted for your date of birth and application number so that you can upload the supporting documentation for your loan or credit card application.

Top Tip for successfully loading your documents

The easiest way to load your documents is to simply take a photo of the document using your smart phone.  To upload the document, access your photos and select the photo of the document.  Please ensure the picture of the document is very clear and that it is provided in colour. You may also be able to save and load documents in PDF format e.g. bank statements.

Loading your proof of identification

You will need a photo of an unexpired photographic proof of your identity, which can be one of the following: 

1. Passport – please ensure that when you take a photograph of your passport, pages three and four are both clearly visible. 

2. Driving licence –If you have either the old paper licence or new card format, please ensure that the photo you take of the licence clearly shows your name, photo and expiry date.

3. Immigration card/Garda age card - please ensure that the photo you take of your card clearly shows your name, photo and expiry date.

Loading your proof of address

You can use one of the following documents once they are dated within the last 3 months: utility bill, bank statement, P60, revenue document, social insurance document, household/motor insurance certificate.

When taking a photo of the proof of your address, we need to see the full page clearly.  Ensure the image is not blurry so we can verify your address.

Loading your proof of income

We will need to see three months of recent personal bank statements to show your income is being paid into that account.  These can be downloaded from your online banking account and saved in PDF onto your desktop so you can then load them into our document hub.  They also need to be supplied in colour, if you are taking a photo of your statement

Self-employed: You can use your last two years tax assessment forms (must include tax returns and Revenue acceptance forms).  These can be obtained from your accountant or the Revenue and they need to be uploaded in colour.

Income not paid into your account?  You can use a photo or PDF of a pay slip, social welfare receipt, most recent pension statement or tax certificate.

2You’re nearly there!

For a new loan, in the document hub you will need to:
Review your contract and set up a Direct Debit - once your documents have been submitted for review, you will receive a final text to examine your contract and set up your direct debit.   For this you will need your BIC and IBAN numbers. 

Please fill in your BIC and IBAN details and confirm that you have an account in ROI.  At this stage, we will also need you to authorise us to set up the direct debit so please click ‘Authorise’.

3Time to sign your contract

It’s now time for you to review your loan or credit card contract – for a loan, simply click on the credit agreement and other documentation. Once you have read and are happy with the terms outlined, click ‘I have read and accept the terms and conditions’.  This is your electronic signature and once you click ‘Confirm’ this will finalise your new loan .

To accept the terms of your credit agreement for your new credit card, all you need to do is use your account or activate your card.


Either your new credit card is on its way to you in the post or your loan amount will be transferred into your account shortly.  A copy of your credit agreement will be posted to you for your records.  

As always, if you have any questions or we can help you with anything, please contact our dedicated Customer Service Team.