Make overpayments if you can afford to.The longer you take to repay the loan, the more it will cost.
Repay what you owe in the shortest time.The more you borrow, the more interest you’ll pay back never borrow more than you can afford to repay each month. Use our loan calculator to find the cheapest lender and consider these tips:
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You can use our loan calculator to see the loan rates from these lenders:Ĭompare best loan rates How to keep borrowing costs down We compare loans from all the top banks in Ireland so you know you’re getting the best rates from lenders you can trust. Which lenders can you use the loan calculator with? Our calculator will indicate how much your loan will cost in total and what you’ll have to repay each month. If you’re unsure how much to borrow, start with a ballpark figure you can afford to repay each month and try different loan amounts and repayment terms. If you can show evidence that you’re able to make regular repayments and have a good credit history, then it’s likely that the credit you request will be granted. You can choose how much you want to borrow, but the lender will decide how much they want to lend you based on affordability and your financial profile. This could make your monthly repayment costs higher. The interest rate you’re offered may differ from the APR (Annual Percentage Rate) because your credit history and income affect a lender’s decision. Individual lenders will apply a complex calculation using compound interest to determine precisely how much your loan will cost based on their interest rate.
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