Compare all the loan lenders and save!
Whether for a dream holiday, a special occasion or home improvements, MoneyHub compares the best personal loans.
MoneyHub experts say:
“Check out the best-buy rates if you’re looking for a loan. Only borrow if you really need to and can afford the repayments. If you do decide to get a loan, borrow as little as you need, and repay as quickly as you can.”
| Loan Provider | Amount (€) | Period | Interest From | Monthly Fee | Contract Fee | Early Penalty | Our Rating | |
|---|---|---|---|---|---|---|---|---|
| Loan Provider | Amount (€) | Period | Interest From | Monthly Fee | Contract Fee | Early Penalty | Our Rating | |
 | 200 - 15 000 | 6 Month - 10 Year | 7,9% | 2% of loan or minimum 29.9€ | Free |  | Look Closer | |
 | 300 - 20 000 | 6 Month - 5 Year | 9,9% | 1,5% of loan or minimum 35 € | Free |  | Look Closer | |
 | 200 - 7 500 | 1 Month - 5 Year | 23.90% | Free | 0.5% - 1% hüvitis |  | Look Closer | |
 | 1 000 - 20 000 | 6 Month - 7 Year | 6,9% | 1.5% of loan or minimum 35€ | Free | | Look Closer | |
 | 1 000 - 15 000 | 1 Year - 5 Year | 9% | 60€ | Free | | Look Closer | |
 | 300 - 15 000 | 6 Month - 6 Year | 8.90% | 2.90€ | 2% of loan or minimum 35 € | 0.5% - 1% hüvitis |  | Look Closer |
 | 300 - 25 000 | 6 Month - 10 Year | 7.90% | 1.50€ | 2% of loan or minimum 35€ | Free | | Look Closer |
 | 500 - 20 000 | 1 Year - 7 Year | 9.90% | 2% of loan or minimum 50€ | Free | | Look Closer | |
 | 300 - 25 000 | 2 Month - 10 Year | 4.99% | 0€ | 0.5% - 1% hüvitis |  | Look Closer | |
 | 500 - 30 000 | 6 Month - 10 Year | 7,9% | 1,99€ | 1.5% of loan or minimum 45€ | 0.5% - 1% hüvitis | | Look Closer |
 | 1000-25 000 | 1 Year - 7 Year | 7.90% | 5.90€ | 5% of loan or minimum 75€ | Free | | Look Closer |
 | 0 | 0 | 0% | Free | Free | | ||
 | 1 000 - 20 000 | 3 Month - 8 Year | 6.90% | 3.90€ | 1.5% of loan or minimum 25€ | 0% - 1% hüvitis | | Look Closer |
Loans FAQ
Our star ratings are based on the headline rate offered, our consumer base feedback, additional charges, ease to do business with and value-added benefits.
A personal loan is where you borrow a sum of money from a lender and agree to pay it back, plus interest, in fixed monthly repayments over an agreed period.
The lender uses the info you give it in your application form about your financial situation and income to decide if it wants to lend to you.
A secured loan is where you put up some kind of security – such as your home – when taking out the loan. This is why they’re often known as homeowner loans – if you don’t have a home to put up as security to back the loan, you won’t be eligible to get one. They can be easier to get than unsecured loans (where you don’t have to put up an asset as collateral) but are much riskier for the customer. This is because the lender could repossess the asset if you can’t repay the loan.
Regarding personal loans, lenders typically offer loans of between €1,000 and €25,000, though some will offer as high as €50,000.
The amount you can borrow will depend on several factors, including your income and employment status, your outgoings and whether you have any other outstanding debts.
The term of a loan dictates the length of time you have to pay the money back. Term lengths differ between lenders, but generally, you can get loans from one to five years. Some lenders also offer loans with longer terms, typically when the loan amount is very high.
CPR stands for ‘annual cost rate’ and is used by lenders to tell you the cost of borrowing.
Lenders must tell you the CPR before signing a credit agreement.
If you miss a loan repayment, you could be charged extra interest or fees by your lender, increasing the overall cost of borrowing. If you continue to miss repayments, it could impact your chances of being accepted for other credit at that time (such as credit cards, other loans or mortgages).
If you have a secured loan, continued missed payments could put assets such as your house at risk.
You could get rejected for a loan for several reasons – it’s a murky business as lenders are not required to tell you why they’ve decided to turn you down. It could be down to your bad repayment history or if they think you’ll be risky to lend to.
The first thing to do is contact your lender and explain the situation, as they might agree to pause your repayments or reduce the amount you owe. This is not guaranteed, however. Read our guide to debt repayment if you are struggling.