Personal Loan Ireland — Up to €75,000 | SOFIES
Apply for a personal loan up to €75,000 with SOFIES. From {rate}% APR, fixed rates, no collateral. Decision in 24 hours. Regulated by the Central Bank of Ireland.
The personal loan that moves at your pace.
Whether it is a new car, home renovation, wedding, or an opportunity you cannot miss — our personal loan puts up to €75,000 in your hands with a decision in just 24 hours. SOFIES is proud to serve customers across Ireland with transparent, fair consumer credit.
No proof of expenditure required. You decide how to use your funds. Enjoy a fixed interest rate, predictable monthly repayments, and the freedom to repay early without penalty. All lending is subject to approval and regulated by the Central Bank of Ireland.
Loan terms and features
Loan Amount
€2,000 to €75,000
Tailored to your personal project
Repayment Term
12 months to 10 years
Flexible repayment schedules
APR
From 2.8% APR*
Fixed rate for the life of your loan
Security
No collateral required
Approved on creditworthiness assessment
Why choose this loan?
- Complete freedom of use: No justification required. Use your personal loan for any purpose you choose.
- Decision in 24 hours: Fast, transparent assessment. Funds transferred to your account upon contract signature via SEPA.
- No collateral: Your application is assessed on affordability and creditworthiness alone — no asset security needed.
- Early repayment flexibility: Repay in full or in part at any time, in accordance with Irish consumer credit regulations.
- Fixed monthly repayments: Budget with confidence. The same amount every month for the entire term of your loan.
Eligibility criteria
Eligibility conditions
- Aged 18 or over, resident in Ireland or the applicable jurisdiction
- Regular, verifiable source of income
- Debt-to-income ratio below 35% of net income
- No adverse credit history or entries on the Irish Credit Register (ICB)
Detailed criteria
- Permanent, fixed-term, or verified self-employment
- Minimum 6 months in your current position
- Demonstrated capacity to meet repayment obligations
- Maximum age 75 at loan maturity
Required documentation
Identity
- Valid passport, national identity card, or Irish driving licence
- Proof of address dated within the last 3 months (utility bill, bank statement)
- Marriage certificate if applicable
Income
- Last 3 payslips or proof of income
- Most recent Revenue Notice of Assessment or P60
- Employment contract or service agreement
- Employer confirmation letter
Banking
- Last 3 months of bank statements
- IBAN for SEPA fund disbursement and direct debit collection
- Amortisation schedules for any existing loans or credit commitments
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal information
- *APR — Representative example: A personal loan of €15,000 over 60 months at a fixed rate of 4.5% APR: 60 monthly repayments of €279, total amount payable €16,740 (total cost of credit: €1,740). Lending is subject to status and approval. SOFIES is regulated by the Central Bank of Ireland.
- Right of withdrawal: You have 14 calendar days from the date of signing to withdraw from the agreement without charge or reason, in accordance with the European Communities (Consumer Credit Agreements) Regulations.
- Early repayment: You may repay your loan in full or in part at any time. A compensation charge of up to 1% of the amount repaid early may apply, as permitted by law.
- Insurance: Payment protection insurance is optional and not a condition of your loan with SOFIES. Cover may include unemployment, disability, and life protection.
- Default: Missed payments may be reported to the Irish Credit Bureau and the Central Credit Register, which could affect your ability to obtain credit in the future.
Ready to fund your next chapter?
Apply online today — decision within 24 hours, no obligation.
