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Ireland's independent comparison platform

Stop overpaying on your loan.

BorrowClever compares personal loans and credit cards from every Irish lender — banks, fintechs, and credit unions. We rank by total cost of credit, not monthly repayment. No bias. No hidden rankings.

Join the waitlist See how it works
Includes credit unions
Rates verified fortnightly
100% independent
You could save
€770
on a €10k loan vs AIB
Lenders compared
14
banks + credit unions
Personal loans — €10,000 over 5 years
Ranked by total cost of credit · June 2026
Live rates
PTSB
PTSB Personal Loan
Variable · No conditions
6.20%
€1,602 total interest
Cheapest
APM
An Post Money
Fixed · No early repayment fee
6.90%
€1,795 total interest
BOI
Bank of Ireland
Variable · Defer 3 payments
7.10%
€1,851 total interest
AIB
AIB Personal Loan
Variable · 3-hour decision
8.95%
€2,372 total interest
Switch AIB → PTSB and save
€770
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Lenders we compare
PTSB
An Post Money
Bank of Ireland
AIB
Avant Money
Revolut
Credit Unions
Loan Calculator

See what you'd actually pay

Adjust the amount and term to compare real total costs across Irish lenders — not just monthly repayments.

Loan amount €10,000
€1,000€50,000
Loan term
Why BorrowClever

Built to show you what
other sites hide

Most Irish comparison tools are broker-led, exclude credit unions, and rank by monthly repayment — not what borrowing actually costs you.

01

Total cost — always first

Banks advertise low monthly repayments. We show you the total interest you'll pay across the full loan term — the only number that matters.

02

Credit unions included

Bonkers and Switcher compare banks only. We include credit union rates — which are often better for car loans and home improvements.

03

No hidden rankings

Our default sort is always total cost, lowest first. Commission agreements with lenders never influence where a result appears in the list.

The problem we're solving

Irish borrowers are overpaying

The ESRI found that Irish consumers routinely make bad loan decisions by focusing on monthly repayments. Banks design their marketing around this tendency. Meanwhile, over three million credit union members are invisible to every major comparison site.

€2,100
Extra interest paid by choosing the wrong lender on a €30k loan
3M+
Irish credit union members excluded from existing comparison tools
3%
Lowest personal loan APR in Ireland — most people don't know it exists
14
Lenders compared — banks, fintechs and credit unions