An Post Money offers one of the most competitive personal loan packages in Ireland. With fixed rates starting at a low 6.9% APR for loans under €30,000, borrowers can access amounts from €5,000 to €75,000. Repayment terms are flexible, ranging from 1 to 10 years, giving applicants the freedom to match repayments to their financial capacity.

For a €20,000 loan over five years, monthly repayments are just €393.20 at a 6.9% APR. This is highly competitive against many Irish banks and credit unions. Importantly, there are no set-up fees or early repayment penalties.

How to Apply: Step by Step

1. Access the online application form and complete necessary details
2. Upload documents: proof of identity, address, and income
3. Receive approval in principle within minutes
4. If approved, receive funds as early as the next business day

Key Advantages

Fixed and low rates mean predictable repayments throughout the life of your loan. The speedy, entirely online process ensures you aren’t waiting long for approval or drawdown.

Additional perks include no early repayment or set-up fees—ideal for borrowers who may wish to pay off their loan faster.

Key Considerations

Loan approval and interest rate ultimately depend on your credit profile. Those with blemished credit may not qualify for the top rate.

Minimum loan amount is €5,000, so this product may not suit those seeking very small loans. For loans under €5,000, consider other An Post products.

Our Verdict

An Post Money Personal Loans stand out for low fixed rates, transparent fees, and rapid approvals. If you want predictable repayments and a straightforward application, it’s an excellent choice—especially for amounts between €5,000 and €30,000.