Ireland's best fixed rates on Personal Loans under €30k.*

Use our personal loan calculator to estimate your monthly repayments. Simply enter your loan amount and term to see what you could pay with an An Post Money personal loan.

I want to borrow

€ €

Repayment period

year

Repayments on a personal loan of over would be

€ per month

Fixed interest rate from % APR

Total amount repayable €

Total cost of credit €

Ready to move on?

Use our personal loan calculator to estimate monthly repayments and compare loan options. See how much you could save on a €20,000 personal loan versus other lenders over a 5-year term.*

And now the caption text is updated.
	APR	Total cost of Credit
An Post Money	6.90%	€3,591.96
BOI	7.10%	€3,818.10
PTSB	7.20%	€3,874.83
AIB	8.95%	€4,880.92
Credit Union	10.42%**	€5,745.15

*Information correct as of 27th April 2026 and is subject to change, (source CCPC.ie and respective lender websites), lending criteria T&Cs apply. Rate is dependent on your financial profile and credit history. The above visual is for illustrative purposes only. **Credit Union set interest rates at local level, the rate displayed is an average of the rates available.

Why use the An Post Money Personal Loan calculator?

Quick and easy loan comparisons

Our personal loan calculator helps you compare repayments before applying, so you can plan with confidence. Loans from €5,000 to €75,000 and repay over terms from 1 to 10 years.

Guaranteed fixed loan rates

Get the best fixed rates from 6.9% APR on personal loans under €30k.* Plan your budget with confidence with fixed monthly repayments.

Calculate and apply

Estimate your monthly repayments and cost of credit. Apply online in minutes and get approval in principle quickly. If approved, funds could be in your account as soon as the next business day.

Fully online personal loan application

Our online application form is quick and simple.
To apply, you will need to upload the following to the Document Hub:

Proof of Identity

Passport / Driving Licence

Proof of Address and Income

Utility bill or up-to-date bank statement

PPS number

Recent payslip

Ready to apply after using our personal loan calculator?

Apply online or call our dedicated team on 01 9456715 (8am-8pm Monday to Friday, and 8am-2pm Saturday excluding Bank Holidays).

Check your eligibility

Great fixed rates on Personal Loans

Loans from	Fixed interest rates	APR*
€20,000 - €75,000	6.7% - 15.7%	6.9% - 16.9%
€5,000 - €19,999	8.1% - 18.3%	8.4% - 19.9%

Representative Example:
On a €20,000 loan over 5 years, at a fixed rate of 6.7% (Annual Percentage Rate (APR) 6.9%) you will pay €393.20 a month. The total cost of credit would be €3,591.96 and the total amount repayable would be €23,591.96

Save Money - Go Green

Apply for a great fixed rate green loan for your green home energy upgrade or electric car.
Make your money matter more - improve your energy efficiency, save on bills and help the environment.

Green Loans

Choose the Credit Card that is best for you

Looking to borrow up to €5,000?^

If you’re looking to borrow less than €5,000 why not apply for one of our An Post Money Credit Cards. Choose between Classic and Flex and avail of our great features.

Apply for a Credit Card

Looking for a promo code?

Did you know, if you are applying for a Personal Loan, you get a free €15 One4all Gift Card upon drawdown?All you need to do is enter a promo code when applying. Find the promo code linked to your local post office.

Personal Loan Promo Code

Things to know

The calculator shows our competitive fixed rates beginning at 6.9% APR*. We will assign you the appropriate rate for you based on your financial profile and credit history once your application has been reviewed. The interest rates that apply to your loan will also be detailed on your loan credit agreement.

This personal loan calculator allows you to estimate borrowing amounts from €5,000 up to €75,000, with repayment periods between 1 and 10 years. You can base your calculations on various loan purposes, such as purchasing a car, making home improvements, refinancing, or funding a wedding and holidays.

Still have questions?

Get answers to some of the most frequently asked questions about An Post Money Loans or get in touch with our customer service team to help with your application.

Read the FAQs

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

*Information correct as of 12^th May 2026. Source CCPC.ie, excluding green loans. Lending criteria, terms and conditions apply. Rate is dependent on your financial profile and credit history.
^Higher credit limits are available and depend on your financial profile and credit history.

An Post acts as a credit intermediary exclusively on behalf of Bankinter S.A., who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.

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Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland.