Avant Money Car Loan Rates

Flexible, Transparent & Competitive Car Finance in Ireland. Discover clear repayment options and competitive APRs for new and used cars.

Calculate My Monthly Repayment
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  • Compare across Irish lenders
  • Easy, fast and informative

Car Loan Calculator (Interactive Section Placeholder)

Use our free car loan calculator to estimate your monthly repayments in seconds.

How it works:

  • Enter the loan amount, term (in years), and interest rate.
  • Instantly see your monthly repayment, total interest payable, and overall cost.
  • Adjust the numbers to compare different scenarios before you apply.

Benefits of using the calculator:

  • Budget with confidence before committing.
  • Compare Avant Money car loan rates with other Irish lenders.
  • Avoid surprises by understanding the total cost of borrowing.
Try the Calculator Now See Rates

Sample Result (Example €20,000 / 5y @ 6.1%)

~€387
Estimated monthly repayment
Total Repayment~€23,220
Total Interest~€3,220
APR (example)6.1%

Illustrative; confirm with your lender.

Comparison Table of Car Loan Rates in Ireland

Bank / Institution APR (%) Loan Range (€) Typical Term Monthly Example (€20,000 over 5 years)
Avant Money 6.1% – 12.9% €5,000 – €75,000 1 – 10 years ~€387 at 6.1% APR
AIB 6.4% – 9.4% €3,000 – €75,000 1 – 5 years ~€390 at 6.4% APR
Bank of Ireland 6.8% – 9.9% €2,000 – €65,000 1 – 5 years ~€394 at 6.8% APR
PTSB 6.5% – 9.5% €5,000 – €70,000 1 – 7 years ~€392 at 6.5% APR
Credit Union (avg) 7.5% – 10% Varies 1 – 5 years ~€400 at 7.5% APR

Rates updated regularly. Always confirm with the lender before applying.

Quick Bank Profile – Avant Money Car Loan

Overview

  • APR Range: 6.1% – 12.9% (depending on loan amount & credit profile)
  • Loan Amounts: €5,000 – €75,000
  • Loan Terms: 1 – 10 years

Pros of Avant Money Car Loan

  • Wide loan range (up to €75,000)
  • Flexible terms up to 10 years
  • Quick online application with fast approval
  • Fixed rate – predictable repayments

Cons

  • ❌ Higher rates possible if credit score is weak
  • ❌ Not the lowest APR for small loans

Eligibility Requirements

  • Age: 18+ and resident in the Republic of Ireland
  • Steady income and good credit history
  • New or used cars may be eligible
  • Subject to standard affordability checks

How to Apply (Step-by-Step)

  1. Visit Avant Money’s official website
  2. Use their loan calculator to preview repayments
  3. Fill out the secure online application form
  4. Upload required documents (ID, proof of income, proof of address)
  5. Await approval decision (typically within 24–48 hours)
  6. Once approved, funds are transferred directly to your account

Competitor Snapshots (For Comparison)

AIB Car Loans

APRs from 6.4%, strong reputation, flexible repayment breaks available.

Bank of Ireland Car Loans

Rates from 6.8%, quick approvals, suitable for mid-sized loans.

PTSB Car Finance

Competitive rates at 6.5%, offers Green Car Loan discounts.

Credit Unions

Community-based lending, ~7.5% APR, more flexible for members.

Key Decision Factors Before Choosing a Car Loan

Eligibility Matters

  • Minimum age: usually 18
  • Stable income and clean credit record improve approval chances

Fees & Charges

  • Processing fees vary by bank
  • Check for insurance add-ons
  • Missed payment penalties may apply

Early Repayment Rules

Avant Money allows early settlement, but fees may apply. Some competitors offer penalty-free repayment.

Fixed vs Variable APR

  • Fixed APR: Same repayment every month, less risk.
  • Variable APR: May start lower but could increase if rates rise.

Frequently Asked Questions (FAQ)

1. What is the average car loan rate in Ireland right now?

Currently, most Irish banks and credit unions offer rates between 6% and 10% APR. Avant Money often ranks on the more competitive side.

2. Which is cheaper: Avant Money or Credit Union?

Avant Money can offer rates as low as 6.1% APR, often lower than many Credit Unions (avg 7.5%). However, Credit Unions may be more flexible if your credit score is weaker.

3. Can I get a car loan for a used car with Avant Money?

Yes, used cars are eligible as long as they meet Avant Money’s loan conditions.

4. Will my credit score impact the APR?

Yes. A stronger credit score can help you secure Avant Money’s lowest advertised APR.

5. Can I repay my Avant Money car loan early without penalty?

Yes, early repayment is possible, but an early settlement fee may apply. Always confirm exact terms with Avant Money.

Ready to Take the Next Step?

Before you apply, calculate your repayments and compare rates to find your best option.

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Trust Signals & Disclaimer

  • Information is sourced from official bank websites and regularly updated.
  • Updated: September 2025.
  • Disclaimer: Rates are subject to change without notice. Always confirm details directly with the lender before applying.

Make an Informed Decision

Use our calculator to check repayments and compare Avant Money against other Irish lenders.

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