Personal Loans: Top Picks for July 2026

PTSB's personal loan stands out with a market-leading rate of 5.99% for loans over €25,000, making it a top choice for those needing substantial funding. Unlike many competitors, PTSB rewards higher borrowing amounts with lower rates, but keep in mind that repayments can vary with this variable rate.

Bank of Ireland offers a flexible borrowing range up to €75,000, which is appealing for large loan seekers. The lack of early repayment penalties is a plus, although the variable rates might not suit everyone looking for predictability.

Avant Money offers a compelling fixed rate of 6.7% for loans over €30,000, ideal for those who prefer predictable monthly payments. However, its higher rates for smaller loans might be a drawback if you don't need a large amount.

An Post's fixed-rate loans start at 6.9% for larger sums, offering a solid option for borrowers who want stability in their repayment plans. It's worth noting that smaller loans come with a higher rate, so this is more suited for mid-sized to larger loans.

AIB's Green Personal Loan offers a standout 6.4% APR for eco-friendly projects, perfect for those investing in solar panels or electric vehicles. However, the standard rate is less competitive, so ensure your project qualifies for the green rate.

Revolut brings a digital-first approach with a competitive 6.5% APR for loans up to €30,000. It's a strong choice for tech-savvy borrowers who appreciate the convenience of managing everything via an app. Just be aware of the loan cap if you need more funding.

Credit Union loans offer community-driven lending with an average APR between 8% and 12.7%. While not the cheapest, this option provides flexibility and local branch support, making it a viable choice for those who value personal service over the lowest rates.