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Loans made for you

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Personal Loans with 1% Cashback. It’s made for you.


Cut the cost of your loan with our Personalised Pricing plus get 1% Cashback. Ireland’s only Personal Loan that gives you money back.


Cashback offer ends 31st December 2018!


QQ Form Portlet

1. Select the profile that fits you

2. Choose how much you want to borrow

I want to borrow
and repay
  • Fully online application process
  • Approval in principle in minutes
  • Great fixed rates made for you
  • Borrow up to €75,000
  • No setup or early repayment fees
Tell us a little bit about you so we can check your eligibility
after tax and deductions i.e. take home pay
if a joint mortgage please enter total monthly repayment

*indicates a required field

Loan Phone Number info

Apply today by calling us on 071 959 4076*

*8am to 8pm Monday to Friday, 8am to 2pm on Saturday (excluding Bank Holidays).

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  • Get 1% Cashback on your Personal Loan

    It couldn't be easier to qualify for 1% Cashback on your new Avantcard Personal Loan. All you have to do is:

    • Complete your application between 01/10/18 and 31/12/18.

    • Drawdown your loan by:

      • 30th November 2018 – if you completed your application in October.

      • 31st December 2018 – if you completed your application in November.

      • 31st January 2019 – if you completed your application in December.

    • Make your first 3 consecutive monthly payments on time and in full.


    For full Terms & Conditions click here.


Interest Rates

Interest Rates

Our interest rates vary depending on the value of your loan and risk profile. To find out more about the Loan Value and Applicable Interest Rates, take a look at our rate table.

Loans from... Fixed interest rate* APR*
€5,000 - €9,999 10.7% - 13.1% 11.2% - 13.9%
€10,000 - €19,999 9.2% - 11.9% 9.6% - 12.6%
€20,000 - €39,999 7.7% -  10.9% 8% - 11.5%
€40,000 - €75,000 6.9% -  9.9% 7.1% - 10.4%

* Rates and loan terms are correct as of 15th November 2018 and are subject to change. Maximum APR (Annual Percentage Rate) is 13.9%. Minimum loan term is 12 months and maximum term is 60 months.

Lending criteria, terms and conditions will apply. Personal loans are available to residents of the Republic of Ireland over the age of 18 and are subject to repayment capacity and financial status. Proof of income and a credit reference agency search will be required to help us approve your request. Personal loans are unsecured and not available for business purposes, house purchase or investment.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

We're here so you can have access to the loan you need, for the things that matter to you most.

We're here so you can have access to the loan you need, for the things that matter to you most.

Whether you’re dreaming of the shiny new car or the perfect home improvement, we’re here to help you turn that dream into reality. Our 3 step guide below shows you what to do next.

1Select your loan amount

Our handy loan calculator and eligibility checker will quickly let you know if you should apply.

2Speedy online application

No need for any appointments or calls - simply complete our short online loan application any time, from anywhere.  

3Straightforward and hassle-free

Once you’ve applied, we’ll take care of the rest. You'll find out quickly if your application is approved in principle and you'll be able to finalise the last few steps online. Once approved, the funds could be transferred into your current account as quickly as one business day.

TnCs 1% Cashback Offer


Terms and Conditions for 1% Cashback Offer on Avantcard branded Personal Loans


The following terms and conditions are supplemental and in addition to the existing terms and conditions that apply to your use of Avantcard’s products and/or services (the “Avantcard Product Terms and Conditions”). In the event of any conflict and/or inconsistency between the following terms and conditions and the Avantcard Product Terms and Conditions, the Avantcard Product Terms and Conditions shall prevail.

These terms and conditions apply to those Avantcard Designated Activity Company (“Avantcard”) Personal Loan customers (for the purposes of these terms and conditions “you” and cognate phrases such as “your” shall be construed accordingly) that apply for a Personal Loan with Avantcard.

  1. In order to qualify for 1% Cashback on your Avantcard branded Personal Loan (“Personal Loan”) you must have (i) completed your Personal Loan application by phone or online between 1st October 2018 and 31st December 2018, (ii) fully pay the first three monthly instalments on your Personal Loan by the due dates (“Cashback Period”), (iii) have no missed payments or overpayments on your Personal Loan within the Cashback Period and (iv) drawdown your Personal Loan by:

    • 30th November 2018 – if you have completed your Personal Loan application between 1st October and 31st October 2018.

    • 31st December 2018 – if you have completed your Personal Loan application between 1st November and 30th November 2018.

    • 31st January 2019 – if you have completed your Personal Loan application between 1st December and 31st December 2018.

  2. The Cashback Offer is not transferable to any other Avantcard account.

  3. The Cashback Offer applies to the Personal Loan drawdown amount.

  4. Once we receive the first three consecutive monthly payments to the Personal Loan account, Avantcard will apply the 1% Cashback the following month.

  5. Avantcard will send the Cashback Offer in Euro to your bank account used for the drawdown of your Personal Loan (“Bank Account”).

  6. Your Bank Account details must remain up to date during the Cashback Period and the following month in order for you to remain eligible for the Cashback Offer and for the Cashback Offer to be sent to your Bank Account. If your Bank Account details do not remain up to date during the Cashback Period and the following month, you will not be eligible for the Cashback Offer.

  7. When Avantcard has applied the Cashback Offer, Avantcard will send a text message to the mobile phone number you provided confirming the Cashback Offer has been applied to your Bank Account.

†Information correct as of 18th October 2018. Source