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| Bank / Lender | Rate (APR %) | Loan Range | Typical Term | Monthly Example (€20k / 5 yrs) |
|---|---|---|---|---|
| PTSB | 6.9% – 9.5% | €1,500 – €75,000 | 1–5 years | ~€395 – €420 |
| AIB | 6.4% – 8.5% | €3,000 – €75,000 | 1–5 years | ~€390 – €410 |
| Bank of Ireland | 6.8% – 9.2% | €2,000 – €65,000 | 1–7 years | ~€392 – €418 |
| Avant Money | 6.1% – 8.9% | €5,000 – €75,000 | 1–7 years | ~€387 – €415 |
| Credit Union (avg.) | 7.5% – 10% | €2,000 – €40,000 | 1–5 years | ~€400 – €430 |
Note: Rates updated regularly. Examples are for illustration purposes only.
From 6.4% APR, with flexible terms up to 5 years. Known for lower rates on higher amounts.
From 6.8% APR, offers up to 7 years for repayment flexibility.
From 6.1% APR, one of the most competitive lenders for personal loans.
Average 7.5%–10% APR; strong on community trust, but usually less competitive on rates.
Some banks (including PTSB) allow early repayment with reduced interest. Always check if early settlement fees apply.
Most lenders offer rates between 6.1% – 9.5% APR, depending on loan size and term.
PTSB often beats average credit union rates for larger loans, but smaller amounts may be more competitive at local credit unions.
Yes. PTSB and most banks allow loans for used cars, though age restrictions (e.g., under 10 years) may apply.
Yes. A stronger credit profile usually secures a lower rate.
PTSB allows early repayments, but always confirm if fees apply at the time of settlement.
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