Personal Loan Rate Changes

All changes to personal loan rates are shown below

Avantcard

Avantcard

APR rate on AvantCard loans increased from 6.1% to 8% for loans of €20,000 - €39,999 and from 6.1% to 7.1% for loans of €40,000 - €75,000.

01/04/2019
Announced
01/04/2019
Effective
Negative impact

Avantcard

Avantcard

New rate of 6.1% APR available on all personal loans over €20,000.

01/02/2019
Announced
01/02/2019
Effective
Positive impact

KBC

KBC

KBC lower APR on Personal Loans. Existing Current account holders borrowing €10000-€50000 APR was 7.49 now 6.30. Non Current Account holders borrowing €10000-€50000 APR was 8.49 now 7.30.

14/10/2016
Announced
14/10/2016
Effective
Positive impact

AIB

AIB

AIB Personal Loan up €10,000 no longer available, new offering student loan AER was 12.99% now 8.45% AIB Personal Loan €10,000 - €50,000 AER was 9.99% now 8.95%

11/06/2016
Announced
11/06/2016
Effective
Positive impact

Ulster Bank

Ulster Bank

APR Rate has decreased for Personal Loan (fixed) from 15.30% to 10.90% for the amount between [€2500 - €4,499.00] APR Rate has decreased for Personal Loan - (available to ufirst current account customers) (fixed) from 14.30% to 9.90% for the amount between [€2500 - €4,499.00]

26/04/2016
Announced
26/04/2016
Effective
Positive impact

Bank of Ireland

Bank of Ireland

Bank of Ireland have lowered the interest rate on their Personal Loan.

03/07/2015
Announced
03/07/2015
Effective
Positive impact

permanent tsb

permanent tsb

New personal loans introduced - "Save and Borrow" and "Cash Secured Loan" offer competitive rates for existing customers wishing to secure their loan against existing savings.

12/06/2014
Announced
12/06/2014
Effective
Positive impact

Ulster Bank

Ulster Bank

Reduction in interest rate for Personal Loan and Personal Loan for ufirst account and ufirst gold account holders

18/11/2013
Announced
18/11/2013
Effective
Positive impact

permanent tsb

permanent tsb

Minimum loan amount for personal loans reduced from €2,500 to €1,500.

19/02/2013
Announced
19/02/2013
Effective
Positive impact

Ulster Bank

Ulster Bank

Increase in loan interest rates for Standard Personal Loans and personal loans for ufirst and ufirstgold customers.

04/09/2012
Announced
04/09/2012
Effective
Negative impact

Latest updates

In the last three months, there have been 2 adjustments to the personal loans market.

The most recent rate change was announced by Avantcard on 1 April, 2019, which we consider to be negative for the consumer. The summary of the change is: "APR rate on AvantCard loans increased from 6.1% to 8% for loans of €20,000 - €39,999 and from 6.1% to 7.1% for loans of €40,000 - €75,000.."

Market updates

Personal loan rates change all the time - in the last year there have been 2 rate adjustments in the Irish personal loans marketplace.

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