Get Ireland's best fixed rate – Loans from 6.9% APR

Make your money matter more with a Refinance Loan from An Post Money. Find the right option for you with our handy calculator.

I want to borrow

€ €

Repayment period

year

Repayments on a loan of over would be

€ per month

Fixed interest rate from % APR

Total amount repayable €

Ready to move on?

Looking to refinance or consolidate your existing loans?

Our quick application will get your sorted in no time.

Check eligibility in seconds
Get approval in principle in minutes with our fully online loan application
Low fixed interest rates - budget with confidence, with equal repayment amounts
No set-up or early repayment fees
Borrow from €5,000 up to €75,000 over terms up to 10 years for refinance loans
See how much you can afford using our loan calculator

Consolidating your Credit into one loan may work out more expensive further down the line as you extend the term of your loan and incur more interest.

Quick and simple application

If your loan is approved, the funds can be in your account as quickly as the next business day.
To apply, you will need to upload the following to the Document Hub:

Proof of Identity

such as Passport / Driver's Licence

Proof of Address and Income

such as a utility bill and up to date bank statement

Proof of PPSN

such as recent payslips

Find more information on the application process here

Ready to apply?

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

Choose the Credit Card that is best for you

Looking for a small loan?

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

Our interest rates

Loans from	Fixed interest rate	APR*
€20,000 - €75,000	6.7% - 15.7%	6.9% - 16.9%
€5,000-€19,999	8.4%-18.3%	8.7%-19.9%

Handy Representative Example for you:
On a €20,000 loan over 5 years, at a fixed rate of 6.7% (6.9% APR) 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

Things to know

Chun iarratas a dhéanamh ar iasacht, ní mór duit a bheith os cionn 18 agus i do chónaí i bPoblacht na hÉireann. Iasacht neamhurraithe í an iasacht phearsanta agus tá sí faoi réir ag do chumas í a aisíoc, do phróifíl airgeadais agus seiceáil chreidmheasa.

Nuair a ghlacann tú grianghraf den chruthúnas ar sheoladh, bíodh an leathanach iomlán le feiceáil go soiléir. Cinntigh nach bhfuil an íomhá doiléir ionas gur féidir linn do sheoladh a fhíorú.

Cruthúnas ar Ioncam

Chun d'ioncam a fhíorú is gá dúinn na ráitis bainc is déanaí a fuair tú a fheiceáil, don chuntas a n-íoctar d'ioncam isteach ann. Ba cheart d'ainm agus do sheoladh a bheith ar taispeáint orthu. Is féidir ráitis bainc a íoslódáil mar PDF ar láithreán gréasáin gach bainc, ar gach gléas.

Más duine féinfhostaithe tú, is féidir leat d'fhoirmeacha um measúnú cánach le dhá bhliain anuas a úsáid. Is féidir na doiciméid sin, nach mór tuairisceáin chánach agus foirmeacha um ghlacadh ó na Coimisinéirí Ioncaim a bheith san áireamh leo, a fháil ó do chuntasóir nó ó na Coimisinéirí Ioncaim.

I gcás nach n-íoctar d'ioncam isteach i do chuntas, is féidir leat úsáid a bhaint as grianghraf nó PDF den duillín pá, admháil leasa shóisialaigh, ráiteas pinsin nó deimhniú cánach is déanaí a fuair tú.

Is féidir leat aisíocaíochtaí uathoibríocha ar d'iasacht a dhéanamh le dochar díreach, de réir théarmaí do chomhaontaithe iasachta.

Má tá íocaíocht dhéanach á déanamh agat, is féidir leat do chárta dochair a úsáid, ach glaoch orainn ag 0818 205 410.
Íoslódáil sainordú dochair dhírigh más gá duit dochar díreach nua a chur ar bun nó dochar díreach atá ann cheana féin ar do chuntas iasachta a athrú.

Is próiseas ar líne é an próiseas iarratais agus ní féidir doiciméid a uaslódáil ach tríd an Ionad Doiciméad agus sin amháin. Ná seoltar doiciméid tríd an bpost. Ceadaigh an treoir maidir le doiciméid a uaslódáil ar líne.

Still have questions?

Get answers to some of the most frequently-asked questions about our refinance and debt consolidation loans or contact 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 rating, 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 22^nd February 2024. Souce CCPC.ie. Lending criteria T&Cs apply. Rate is dependent on your financial profile and credit history.
An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. An Post acts as a credit intermediary on behalf of Avantcard DAC who provide loan and credit card services and facilities. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.