Every Irish personal loan ranked by total cost of credit on €10,000 over 5 years — banks, fintechs and credit unions. Rates verified June 2026.
Sorted by total interest paid on €10,000 borrowed over 60 months, lowest first. Green rows indicate green or energy-upgrade loan products. Rows 1–2 require an SEAI home energy grant.
| # | Lender | APR | Rate type | Monthly | Total interest | Total repayable | Notes |
|---|---|---|---|---|---|---|---|
| 1 |
Bank of Ireland SBCI Home Energy Upgrade |
3.00% | Variable | €179.69 | €781.40 | €10,781.40 |
Cheapest overall
SEAI grant required
75% of loan on qualifying energy works
|
| 2 |
AIB SBCI Home Energy Upgrade |
3.55% | Variable | €182.27 | €936.20 | €10,936.20 |
SEAI grant required
75% of loan on qualifying energy works
|
| 3 |
PTSB SBCI Home Energy Upgrade |
4.23% | Variable | €184.84 | €1,090.40 | €11,090.40 |
SEAI grant required
Tiered rate — €5k–€15k band shown; 2.99% APR for €50k–€75k. Rates reduced Jan 2026.
|
| 4 |
PTSB Personal Loan |
6.20% | Variable | €193.37 | €1,602.20 | €11,602.20 |
Best standard rate
Max APR 8.80%. Reduced Sept 2025. €1k–€75k, up to 84 months
|
| 5 |
AIB Green Personal Loan |
6.40% | Variable | €194.28 | €1,656.80 | €11,656.80 |
Green product
50%+ of loan must go toward green upgrades
|
| 6 |
Bank of Ireland Green Car / Home Improvement |
6.50% | Variable | €194.74 | €1,684.40 | €11,684.40 |
Green product
Electric or plug-in hybrid only / energy efficiency works
|
| 7 |
Avant Money Personal Loan (over €30k) |
6.70% | Fixed | €195.66 | €1,739.60 | €11,739.60 | Best fixed rate for loans over €30k. No early repayment fee. €30k–€75k, up to 120 months |
| 8 |
An Post Money Personal Loan |
6.90% | Fixed | €196.58 | €1,794.80 | €11,794.80 | No early repayment fee. €5k–€75k, up to 120 months |
| 9 |
Bank of Ireland Personal Loan |
7.10% | Variable | €197.51 | €1,850.60 | €11,850.60 | Can defer first 3 payments. €2k–€75k, up to 84 months |
| 10 |
Revolut Personal Loan |
8.41% | Variable | €203.67 | €2,220.20 | €12,220.20 | Average rate shown. Range 6.5–12.99% by credit score. €1k–€50k, up to 60 months |
| 11 |
Avant Money Personal Loan (under €30k) |
8.50% | Fixed | €204.09 | €2,245.40 | €12,245.40 | Max APR 19.9%. €5k–€29,999, up to 84 months |
| 12 |
AIB Home Improvement Loan |
8.65% | Variable | €204.78 | €2,286.80 | €12,286.80 | €1k–€75k, up to 120 months |
| 13 |
First Choice CU Personal Loan (€15k–€25k) |
8.84% | Variable | €205.78 | €2,346.80 | €12,346.80 | Credit Union |
| 14 |
AIB Personal Loan |
8.95% | Variable | €206.20 | €2,372.00 | €12,372.00 | 3-hour decision for existing customers. €1k–€75k, up to 60 months |
| 15 |
Credit Union average Personal Loan — ILCU affiliated |
10.42% | Variable | €212.47 | €2,748.20 | €12,748.20 |
Credit Union
ILCU survey avg, Jul/Aug 2025. Max legal rate 12.68% APR
|
SBCI green loan rates are exclusively available to homeowners with an approved SEAI home energy grant. At least 75% of the loan must be used for SEAI-qualifying energy upgrade works. Apply through Bank of Ireland or AIB after your SEAI grant is confirmed.
Credit union rates vary significantly by institution, loan amount, and individual member circumstances. The ILCU average is based on a survey of affiliated credit unions conducted in July/August 2025. The maximum legal rate for Irish credit unions is 12.68% APR.
All figures are calculated on €10,000 borrowed over 60 months (5 years) using the standard compound interest formula. Monthly repayments and total interest are rounded to the nearest cent. Results are for comparison purposes only — your actual rate may differ.