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(Updated October 2025)
Bank / Credit Union | Rate (APR %) | Loan Range | Typical Term | Monthly Example (€20k over 5 yrs) |
---|---|---|---|---|
Credit Union | 6.9% – 9.5% | €5,000 – €75,000 | 1–7 years | ~€395 – €420 |
AIB | 6.40% | €10,000 – €75,000 | 1–5 years | ~€390 |
Bank of Ireland (BOI) | 6.90% | €2,000 – €65,000 | 1–7 years | ~€395 |
PTSB | 7.20% | €7,000 – €75,000 | 1–7 years | ~€400 |
Avant Money | 5.90% (from) | €5,000 – €75,000 | 1–10 years | ~€385 (best-case) |
Note: Rates updated regularly from official sources. Always confirm before applying.
From 6.40% APR, quick online approval. Best for existing account holders.
6.90% APR, strong nationwide presence, easy online calculators.
From 5.90% APR, highly competitive but strict credit requirements.
7.20% APR, flexible terms, but higher minimum loan amount.
Credit Unions: no penalty for early repayment. Some banks may charge fees if you settle early.
Most car loans range from 5.9% to 9.5% APR depending on the lender and your credit profile.
Avant Money and AIB can sometimes offer lower starting rates (around 5.9%–6.4%), but many borrowers prefer Credit Unions for flexibility and no early repayment penalties.
Yes – as long as the car is purchased from a registered dealer and meets age/mileage rules set by your Credit Union.
Yes – a stronger credit history usually means lower interest rates. Credit Unions may be more flexible than banks with borderline cases.
Yes – Credit Unions do not charge penalties for early repayment. Banks may, so always check terms before signing.
Don’t wait until you’re at the dealership – know your numbers in advance.
Use our calculator to check repayments and compare Credit Unions against Irish banks.
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