Best Personal Loans for August: Compare Rates and Terms

Revolut offers a competitive starting APR of 6.5%, making it an attractive option for digital-first borrowers who prioritize convenience and speed. The fully in-app application process streamlines the experience, but the loan cap at €30,000 might not work for those needing larger amounts.

PTSB stands out with a 6.2% APR for loans over €25,000. This lender rewards larger borrowings with better rates, ideal for those planning significant expenses. The instant approval process is a plus, but you'll need a PTSB account for drawdown.

AIB's variable rates range from 8.65% to 8.95%, with an eco-friendly Green Loan option at 6.4% for sustainable projects. The fast 3-hour approval process for smaller loans is appealing, though larger loans require more steps.

Bank of Ireland offers a flexible loan product with a maximum amount of €75,000, making it suitable for borrowers needing substantial funds. The variable rate starts at 7.1%, and recent graduates can benefit from a lower rate of 5.0% for smaller loans.

Avant Money's fixed-rate loans start at 6.7% and offer terms up to 10 years, the longest in Ireland. This is perfect for those who need predictable monthly payments. Just be aware, longer terms can result in higher total interest paid.

The Credit Union's community-driven model offers rates from 8.0% to 12.68% APR, with potential rebates that can lower the effective cost. It's a great alternative for those who value personal service and local engagement.

An Post's fixed rates give borrowers peace of mind with no interest rate surprises. Rates start at 6.9% for strong profiles and go up to 19.9%, which is higher than some competitors. The online application is a convenient feature, though it's not as fast as app-based platforms.