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Avant Money review

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

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Our verdict

Avant Money suits Irish borrowers with an excellent credit record who want a fixed rate personal loan at 6.1% to 19.9% with no set up fee. The group also lends for cars, home works and debt consolidation, and takes fixed term deposits, so the offer runs past a single product.

Key facts

Best for
Fixed rate Irish personal loans with no set up fee and free early repayment.
APR
6.1% to 19.9%↗
Loan amount
€5,000 to €75,000↗
Term
12 to 120 months↗
Arrangement fee
0 (no set up fee)↗
Credit check
Hard↗
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↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Residents of the Republic of Ireland over the age of 18, subject to repayment capacity and financial status↗
Origination fee (%)
0%↗
Loan types
Personal, Car, Debt-consolidation↗
Credit needed
Excellent↗
Use cases
Home-improvement↗
Legal entity
AVANTCARD DAC↗
Headquarters
Ireland↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Rewards
Official website
avantmoney.ie

Credit cards

Annual fee
€0↗
Rewards type
Cashback↗
Rewards rate
5% groceries and fuel first 12 months↗
Balance transfer intro period
6 months↗
Cashback rate
5%↗
Card kind
Credit↗

Savings

Headline rate
2.72%↗
Minimum deposit
€2,000↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
One withdrawal of up to 25% of the balance after the first 8 weeks; no full withdrawal until maturity↗
Monthly fee
€0↗
Account kind
Fixed↗

Mortgages

Initial rate
3.2%↗
APRC
3.62%↗
Fixed period
4 years↗
Maximum loan to value
90%↗
Product fee
€185↗
Purpose
Purchase, Remortgage, First-time-buyer↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • No set up fee on the home improvement loan, at 0 (no set up fee)
  • Personal loan APR of 6.1% to 19.9% on a fixed rate, against a group median of 14.43%
  • Free early repayment on personal loans, so settling ahead of schedule costs nothing
  • Everyday Plus card carries an annual fee of €0 with cashback rewards
  • Deposits sit under EU DGS up to EUR 100,000 and the lender is AVANTCARD DAC

Cons

  • Credit checking is hard and the credit bar is excellent, a standard only 2.8% of lenders in the group ask for
  • The top of the personal loan rate range is 6.1% to 19.9%, so what you pay depends on your own credit profile
  • The deposit is fixed with a €2,000 minimum, and access before maturity is limited to a single partial withdrawal
  • Support runs on phone, email and help centre, with branch service not among the listed channels
Avant Money

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Adults living in Ireland who can show repayment capacity and financial status
  • Borrowers consolidating existing debt, since personal, car and debt consolidation includes consolidation
  • Home owners planning works, given the home improvement loan

Who should look elsewhere

  • Cashspace, for borrowers outside Ireland, since it quotes PHP 12 to PHP 36 and Avant Money lends only to Irish residents
  • Creduma ES, for a larger euro loan, since Creduma ES starts at from €12,000 against €5,000 to €75,000 here
  • Sofkredit, for a Spanish lender, since Sofkredit quotes 10.74% to 18.06% under a Banco de España licence

Application and funding speed

Avant Money lends direct rather than through a broker, and the personal loan range runs from €5,000 to €75,000 over terms of 12 to 120. The spread of terms shapes the monthly payment: a shorter term means a higher monthly figure and less interest overall, a longer term lowers the payment and lifts the total repaid. The lending covers personal, car and debt consolidation, so a car loan and a debt consolidation loan sit alongside a general personal loan, and a separate home improvement product is aimed at home improvement. Eligibility is limited to Irish residents who are adults, subject to repayment capacity and financial status. The stated credit bar is excellent and the check itself is hard, so a thin file is the obstacle to clear before any quote.

Rates and costs

The personal loan is fixed rate, priced at 6.1% to 19.9%, which sits below the personal loan median of 14.43% across the group. The published representative example sets out a personal loan at a fixed rate with a stated APR, a monthly payment, the total cost of credit and the total amount repayable, so the full cost of a loan can be read in one place before an application goes in. On fees, the home improvement loan shows 0 (no set up fee) and the car loan page lists an origination percentage of 0%, so little is added at the start of either. Early repayment is free, which means a borrower who pays ahead of schedule is not charged for doing so. Elsewhere in the range the Everyday Plus card has an annual fee of €0 and the mortgage product fee is €185. Interest is the main cost here, and the fixed rate holds steady for the whole term.

The company behind it

The lending entity is AVANTCARD DAC, headquartered in Ireland. It holds an Irish licence under PSD_PI IE_CBI!C129700, issued by the Central Bank of Ireland, so the money side of a loan sits with a regulated lender rather than a broker or a marketplace. That shapes how a complaint is handled, since a regulated lender is answerable to the Central Bank of Ireland. The wider group also takes fixed term deposits, with deposit protection of EU DGS up to EUR 100,000 and a monthly account cost of €0. Those deposits are fixed, so access is limited: a partial withdrawal of part of the balance opens after an early access window, and a full withdrawal is available at maturity only. Support for the whole range runs on phone, email and help centre, covering phone, email and a help centre, with branch service not among the listed channels.

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

How much can I borrow from Avant Money and over what term?+

The personal loan runs from €5,000 to €75,000 over terms of 12 to 120. Avant Money lends direct rather than through a broker, and the rate is fixed, so the quoted figure holds for the life of the loan rather than moving with the market. Longer terms cut the monthly payment and raise the total repaid.

What APR do I pay on a personal loan?+

The personal loan is priced at 6.1% to 19.9% on a fixed rate. The personal loan median across the group is 14.43%, so the range opens below the middle of the market, and the point inside the range you are offered depends on your credit profile.

Are there arrangement or set up fees?+

The home improvement loan carries 0 (no set up fee) and the car loan page lists an origination percentage of 0%. Across the wider range, the Everyday Plus credit card has an annual fee of €0 and the mortgage product fee is €185, so cost sits in interest rather than in start up charges.

Can I repay a personal loan early?+

Yes. Free early repayment is listed for the personal loans, so settling the balance ahead of schedule carries no charge. The same offer is common among lenders in the group, at 78.9% of them, which makes it easier to clear a balance if income improves.

What credit check does Avant Money run?+

The check is hard and the stated credit bar is excellent, the toughest band on the site. Only 2.8% of lenders in the group ask for a credit standard that high, so a thin file narrows the field here more than elsewhere.

Is Avant Money regulated in Ireland?+

The lender is AVANTCARD DAC, headquartered in Ireland, and it holds an Irish licence under PSD_PI IE_CBI!C129700 issued by the Central Bank of Ireland. Borrowing therefore comes from a regulated Irish institution rather than a broker or marketplace, which is also where a complaint would be directed.

What does the Everyday Plus card offer?+

The Everyday Plus is a credit card with an annual fee of €0 and rewards paid as cashback. Cashback of 5% applies to groceries and fuel, and the introduction period runs for 6, after which the reward structure is worth checking against how you actually spend.

How flexible is access to a fixed term deposit?+

The deposit is fixed with a €2,000 minimum and a monthly cost of €0. A partial withdrawal of part of the balance is possible after an early access window opens, while a full withdrawal is available at maturity only, so the money stays committed for the term.

How do I get help from Avant Money?+

Support runs on phone, email and help centre, covering phone, email and a help centre for the personal loans. Branch service is not among the listed channels, so questions and account changes are handled remotely rather than in person. The wider range of loans, cards and deposits is served the same way.

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Avant Money

Avant Money

Fixed rate Irish personal loans with no set up fee and free early repayment.

9.4/10See alternatives