Avant Money review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Avant Money is an Irish direct lender that suits borrowers with strong credit who want a fixed personal, car, home improvement or consolidation loan without set up fees. It lends €5,000 to €75,000 at rates of 6.1% to 19.9% over terms of 12 to 120. Its overall score on the site is 7.3.

Key facts

Best for
Borrowers in the Republic of Ireland with excellent credit who want a long fixed term loan with no set up fee.
APR
6.1% to 19.9% (Source, checked September 26, 2026)
Loan amount
€5,000 to €75,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 (no set up fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
Personal Loan: EUR 30,000 over 5 years at fixed 5.9% (6.1% APR), EUR 578.59 a month, total cost of credit EUR 4,715.41, total amount repayable EUR 34,715.41 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Residents of the Republic of Ireland over the age of 18, subject to repayment capacity and financial status (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Excellent (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
AVANTCARD DAC (Source, checked September 26, 2026)
Headquarters
Ireland (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
avantmoney.ie

Mortgages

Initial rate
3.2% (Source, checked September 26, 2026)
APRC
3.62% (Source, checked September 26, 2026)
Fixed period
4 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€185 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
AVANTCARD DAC (Source, checked September 26, 2026)
Headquarters
Ireland (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • Loans cover personal, car and debt consolidation
  • Rates are fixed and the only model is fixed rate
  • Free early repayment, so you can overpay without a charge
  • No set up fee on home improvement loans, 0 (no set up fee)

Cons

  • A hard credit check runs on every application
  • Credit needed is excellent
  • Support runs on phone, email and help centre only
Avant Money

Ready to try Avant Money?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Anyone consolidating several balances into a single fixed monthly payment
  • Homeowners planning a renovation funded without a mortgage

Who should look elsewhere

  • Anyone outside the Republic of Ireland, since eligibility is restricted to residents there
  • People with fair or poor credit, who face the excellent credit requirement
  • Borrowers who want a variable rate, as the rate type is fixed

How Avant Money compares

Where Avant Money is available

Available
Ireland, Spain
Licence in Spain
Banco de España, checked September 26, 2026
Licence in Ireland
Central Bank of Ireland, checked September 26, 2026
Licence in Ireland
IE_CBI (PSD_PI IE_CBI!C129700), checked September 26, 2026, also valid in Ireland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on an Avant Money personal loan?+

Personal loan rates run 6.1% to 19.9% and they are fixed, so your monthly payment does not move. Terms last 12 to 120. The representative example on the rates page shows a fixed rate loan alongside a total cost of credit figure, which is the number to compare against other lenders.

How much can I borrow?+

Personal, car, debt consolidation and home improvement loans run €5,000 to €75,000. That is a wide range for a single Irish lender, and it means a consolidation loan and a car loan can both be sized to what you actually need.

Is there an arrangement or set up fee?+

Home improvement loans carry no set up fee, 0 (no set up fee), and the car loan arrangement fee is 0%. Mortgages are different: they come with a product fee of €185, so the fee sits on the mortgage rather than the loans.

What credit check do I need to pass?+

Every application runs a hard credit check, and the level of credit needed is excellent. That is a demanding bar, so a thinner credit file weighs heavily. Applicants with fair or poor credit are least likely to pass.

Who regulates Avant Money?+

The lending entity is AVANTCARD DAC, headquartered in Ireland, and it is licensed by the Central Bank of Ireland. The licence reference is PSD_PI IE_CBI!C129700, so the lending side is regulated in the Republic of Ireland.

Can I repay my loan early without a charge?+

Yes. Free early repayment means you can clear the balance early and keep the interest saving, provided you check the terms on your own loan. Overpaying is the cheapest way to cut the total cost of credit over a long term.

Does Avant Money offer a variable rate?+

No. The rate type is fixed and the only model is fixed rate. A fixed rate means your payment is set for the term, which suits budgeting, but you give up the chance of a rate cut during that period.

Can I get a mortgage or remortgage from Avant Money?+

Yes, and mortgages sit alongside the loans. The initial rate is 3.2%, the APRC is 3.62% and the fixed period runs 4, with a maximum loan to value of 90%. Purposes cover purchase, remortgage and first time buyers.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Avant Money

Avant Money

Borrowers in the Republic of Ireland with excellent credit who want a long fixed term loan with no set up fee.

9.3/10See alternatives

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