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Personal Loans in Ireland: Top Picks for June 2026
Discover the best personal loans in Ireland this June. From budget-friendly options to fast approval, find your ideal match.
Quick Picks
Best for large loans: Avant Money Personal Loan.
Best for eco-friendly purchases: AIB Personal Loan.
Best digital experience: Revolut Personal Loan.
Fixed vs. Variable Rate Loans
Understanding the difference between fixed and variable rate loans can significantly impact your repayment strategy. Fixed rates offer stability, while variable rates can fluctuate, impacting monthly payments. Let’s explore which option might be best for you.
Avant Money Personal Loan
If you're looking for stability in your repayments, Avant Money's personal loan is hard to beat with its fixed rate starting at 6.7% APR for loans over €30,000. This option is best for those needing larger loans and wanting predictable monthly payments. However, smaller loans under €5,000 come with a much higher 19.9% APR.
Avant Money Personal Loan
This loan is best for those needing a significant amount of funding, with loans ranging from €5,000 to €75,000.
- Amount
- €5k–€75k
- Term
- 12–120 mo
- Decision
- Apply online, approval subject to review
PTSB Personal Loan
The trade-off with PTSB is its competitive 5.99% rate for loans above €25,000, though its variable nature means your repayments can change over time. It's a strong choice if you're comfortable with potential rate fluctuations and are borrowing a significant amount.
PTSB Personal Loan
This loan is best for individuals in Ireland looking to finance personal projects or consolidate debt with amounts up to €75,000.
- Amount
- €1.5k–€75k
- Term
- 12–60 mo
- Decision
- Approval in minutes online or in-app
AIB Personal Loan
AIB's personal loan offers a unique advantage with its 6.4% APR specifically for eco-friendly purchases, making it ideal for anyone planning green home improvements or electric vehicle investments. Keep in mind that standard rates are notably higher.
AIB Personal Loan
This loan is ideal for individuals with a strong credit profile looking to finance personal projects or investments, especially those interested in green initiatives.
- Amount
- €1k–€75k
- Term
- 12–60 mo
- Decision
- Decision within 3 hours for online applications
While those options cater to specific needs, digital-first borrowers may find value in app-based lending solutions.
Digital Loan Solutions
For tech-savvy users, digital loan platforms offer unparalleled convenience. These platforms provide streamlined applications and quick decisions, perfect for those who value efficiency.
Revolut Personal Loan
Revolut offers a seamless digital experience with its personal loan, featuring a competitive 6.5% APR and no early repayment fees. The fully app-managed process makes it ideal for those seeking quick approvals up to €30,000, though it requires a Revolut account.
Revolut Personal Loan
Best for those who prefer a digital-first approach and need a flexible repayment option.
- Amount
- €2k–€30k
- Term
- 12–60 mo
- Decision
- Apply in-app, quick decision
An Post Personal Loan
An Post stands out with fixed rates from 6.9% APR on larger loans, offering predictability in repayments. While not the best option for smaller amounts under €5,000, it’s attractive for those seeking stability in mid-to-large loans.
An Post Personal Loan
Ideal for customers seeking a straightforward personal loan with fixed rates for various purposes, from home improvements to personal expenses.
- Amount
- €5k–€75k
- Term
- 12–84 mo
- Decision
- Apply online
Bank of Ireland Personal Loan
For existing Bank of Ireland customers, their personal loan offers flexible overpayments with no penalties, making it a solid choice for those who might want to pay off their loan early without extra charges.
Bank of Ireland Personal Loan
This loan is best for borrowers looking for a quick application process and the ability to borrow significant sums without needing savings.
- Amount
- €2k–€75k
- Term
- 12–60 mo
- Decision
- Online applications in about 15 minutes for existing customers
Choosing the right personal loan can greatly depend on your financial goals and lifestyle. Whether you prioritize fixed rates or prefer the agility of digital platforms, there's a loan to match your needs. For a deeper comparison of top picks, see our guide on Personal Loans: Avant Money vs. Revolut and An Post.
