Updated September 28, 2026 · SumCue Editorial Team
Avant Money vs Kogan.com
Avant Money
Higher score in this comparison
Kogan.com
Where Avant Money and Kogan.com differ
| Compare | Avant MoneyReviewSee alternativesSee alternatives | Kogan.comReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | A$0 |
| APR | 6.1% to 19.9%Lower | 21.99% |
| Rewards type | Cashback | Points |
| Rewards rate | 5% groceries and fuel first 12 months | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 |
| Balance transfer intro period | 6 months | 18 monthsHigher |
| Credit needed | Excellent | Good |
| Currency conversion fee | Not confirmed | 3.4% |
| Balance transfer fee | Not confirmed | 2% |
| Perks | Not confirmed | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection |
| Cashback rate | 5% | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Avant Money scores higher overall: 9.4 vs 9.1.
- Kogan.com is available in 1 more country.
- APR is lower at Avant Money: 6.1% to 19.9% vs 21.99%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 6 months.
- Pricing model: only Avant Money offers Fixed rate.
- Pricing model: only Kogan.com offers No annual fee.
Our verdict on each
Avant Money
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.
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Score breakdown
| Area | Avant Money | Kogan.com |
|---|---|---|
| Cost | 9.3Costs rest on interest rather than fees: APR of 6.1% to 19.9% on the personal loan, a mortgage product fee of €185. | Not confirmed |
| Offer | 9.5 | 9.6Higher |
| Trust | 9.4Higher | 8.8 |
How they place
| Ranking | Avant Money | Kogan.com |
|---|---|---|
| Credit and debit cards | 156 of 1594 | 410 of 1594 |
| Balance transfer cards | 4 of 32 | 14 of 32 |
If neither fits
Nexo has apr at from 1.9%, against 6.1% to 19.9% for Avant Money and 21.99% for Kogan.com.
Nexo reviewEvery fact side by side
| Fact | Avant Money | Kogan.com |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | AVANTCARD DAC | Kogan.com Ltd |
| Headquarters | Ireland | Australia |
| Founded | Not confirmed | 2006 |
| Support channels | Phone, Email, Help centre | Not confirmed |
Savings
| Fact | Avant Money | Kogan.com |
|---|---|---|
| Headline rate | 2.72% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Minimum deposit | €2,000 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | One withdrawal of up to 25% of the balance after the first 8 weeks; no full withdrawal until maturity | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Fixed | Not confirmed |
Mortgages
| Fact | Avant Money | Kogan.com |
|---|---|---|
| Initial rate | 3.2% | Not confirmed |
| APRC | 3.62% | Not confirmed |
| Fixed period | 4 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | €185 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer | Not confirmed |
| Lender type | Direct lender | Not confirmed |
Where each stands against the rest
| Fact | Avant Money | Kogan.com | Median |
|---|---|---|---|
| APR | 6.1% to 19.9%below the median | 21.99%highest quarter | 11.635 |
| Currency conversion fee | Not confirmed | 3.4%highest quarter | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 18 monthsabove the median | 12 months |
| Balance transfer fee | Not confirmed | 2%below the median | 3% |
| Cashback rate | 5%highest quarter | Not confirmed | 1.5% |
Median across 486 listed providers.
Pros and cons
Avant Money
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
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
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Who each suits
Avant Money
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
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Current offers
Avant Money
Current offer
Bonus
1% cashback incentive on new or top-up One Mortgages (mortgage product): 1% cashback, e.g. borrow EUR 400,000 and receive EUR 4,000
Eligible new or top-up One Mortgages drawn down between 1 January 2026 and 31 December 2026; cashback paid within two months of drawdown; lending criteria, terms and conditions apply
Source, checked September 26, 2026
Country by country
| Country | Avant Money | Kogan.com |
|---|---|---|
| Australia | No | Yes |
| Ireland | Yes | No |
| New Zealand | No | Yes |
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
Avant Money
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.
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Other options to compare
Other matchups
Avant Money
Kogan.com