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Personal Loans Aug 19, 2026: Personal Loan Myths Debunked: What You Need to Know

Discover the truth behind common personal loan myths and learn which options truly offer the best rates and terms for your needs.

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Revolut Personal Loan
Personal

Representative APR 6.5–12.99%

Amount €2k–€30k

Best for: Best for those who prefer a digital-first approach and need a flexible repayment option.

Republic of Ireland resident · Age 18+ · Revolut account required

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PTSB Personal Loan
Personal

Representative APR 6.2–8.8%

Amount €1.5k–€75k

Best for: This loan is best for individuals in Ireland looking to finance personal projects or consolidate debt with amounts up to €75,000.

Age 18+ · Republic of Ireland resident · PTSB current account required for drawdown

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Avant Money Personal Loan
Personal

Representative APR 6.1–19.9%

Amount €5k–€75k

Best for: This loan is best for those needing a significant amount of funding, with loans ranging from €5,000 to €75,000.

Age 18+ · Resident in Republic of Ireland · Subject to lending criteria

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Credit Union Personal Loans in Ireland
Personal

Representative APR 8.0–12.68%

Amount €1k–€75k

Best for: These loans are best for individuals seeking a personal loan with lower APR rates and a community-oriented approach to lending.

Credit union membership required · Republic of Ireland resident · Loan interest rebate available at year-end

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An Post Personal Loan
Personal

Representative APR 6.9–19.9%

Amount €5k–€75k

Best for: Ideal for customers seeking a straightforward personal loan with fixed rates for various purposes, from home improvements to personal expenses.

Republic of Ireland resident · Subject to lending criteria and credit history

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Bank of Ireland Personal Loan
Personal

Representative APR 7.1–8.9%

Amount €2k–€75k

Best for: This loan is best for borrowers looking for a quick application process and the ability to borrow significant sums without needing savings.

Age 18+ · Resident in the Republic of Ireland · Existing Bank of Ireland current account required for online application

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Personal Loan Myths Debunked: What You Need to Know