The Best Personal Loan Picks for Fall 2026

An Post Personal Loan offers a fixed rate from 6.9% to 19.9% APR, providing repayment certainty. It's a strong choice for those needing up to €75,000 with terms extending to 7 years, ideal if you want stability. The fixed rate ensures your payments remain the same, but note the best rates require a solid credit profile. If speed is your priority, however, quicker fintech options might appeal more.

Avant Money Personal Loan stands out with its long 10-year terms, the longest in Ireland. Starting at a competitive 6.7% APR for those with strong credit, it's an excellent option for managing larger expenses with lower monthly payments. However, bear in mind the total interest over the extended period will be higher. It's perfect for those who value term flexibility over immediate cost savings.

PTSB Personal Loan offers an impressive 6.2% APR for larger amounts over €25,000, with instant approval through their app. It's a top choice if you're looking for a low variable rate and can borrow larger sums. PTSB requires you to have a current account for drawdown, which could be a barrier for some. This loan is best for those needing a quick, cost-effective solution for significant financial needs.

Revolut Personal Loan offers rapid processing entirely through its app, starting at 6.5% APR. With a maximum of €30,000, it's a great digital-first option for smaller needs. Being a Revolut user is mandatory, so it's best suited for current customers. Its limitations lie in the loan ceiling and variable rate, which could fluctuate over time, making it less suitable for those seeking higher amounts or fixed repayments.

AIB Personal Loan offers a three-hour decision for loans under €30,000, with variable rates from 8.65% to 8.95% APR. This rapid approval makes it a compelling choice for existing AIB customers, particularly those looking to leverage the Green Loan rate of 6.4% for eco-friendly projects. However, the variable rate means payments could increase over time, which might not appeal to everyone.

Bank of Ireland Personal Loan is notable for its graduate rate starting from 5.0% APR for amounts up to €5,000. It's particularly attractive for recent graduates seeking manageable payments. The loan amounts extend to €75,000 at a variable rate from 7.1% to 8.9% APR, which offers competitive flexibility for larger needs. However, the requirement of having a BOI current account for online applications may be a limitation for new customers.

Credit Union Personal Loan offers a community-focused approach with rates from 8.0% to 12.68% APR. The standout feature is the potential for year-end interest rebates, which can effectively lower the cost of borrowing. Membership is required, and rates vary by location, making it best for those who value personalized service and are already members of a credit union.