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Best Personal Loans for Freelancers in 2026
Tailored loan options that fit the unique needs of freelancers
Quick Picks
Best overall: PTSB Personal Loan.
Best for large amounts: Avant Money Personal Loan.
Best digital experience: Revolut Personal Loan.
Loans for Flexibility
Freelancers often need loans that offer flexibility and quick access to funds. Here are some options that cater specifically to those needs.
PTSB Personal Loan
The draw here is PTSB's competitive 5.99% rate for loans over €25,000, making it a strong choice for freelancers with larger funding needs. Its tiered rate structure rewards higher borrowing, though its variable rate could mean fluctuating repayments.
Avant Money Personal Loan
You'd pick Avant Money if you need a fixed rate and larger loan amounts. With a 6.7% APR for loans over €30,000, it's ideal for those who want predictable repayments. However, the higher APR for smaller loans could be a drawback.
Revolut Personal Loan
What sets Revolut apart is its fully digital experience, perfect for tech-savvy freelancers. The 6.5% starting APR and fast in-app approval make it appealing, though the €30,000 cap might be limiting for larger projects.
Bank of Ireland Personal Loan
Bank of Ireland offers a broad range with variable rates from 7.1% to 8.9% APR and no penalty for early repayments. It's a versatile option for those with existing accounts, though its best features are reserved for these customers.
AIB Personal Loan
AIB's Green Personal Loan at 6.4% APR is ideal for eco-conscious freelancers. While the standard rate is less competitive, the green option is one of Ireland's cheapest for sustainable projects.
If sustainability isn't your primary concern, there are other options that offer more straightforward financial terms.
Community and Relationship-Based Lending
For freelancers who value community support, credit unions might be a viable route, offering a more personal approach to lending.
An Post Personal Loan
The trade-off with An Post is its competitive 6.9% APR for larger loans, making it suitable for mid-sized projects. However, smaller loans come with a higher rate, so consider this if you're borrowing more.
Credit Union Personal Loans in Ireland
Worth considering because of their community-focused approach, credit unions offer flexibility and local underwriting. While not the cheapest, they provide personalized service which can be beneficial for freelancers building credit.
While these options provide flexibility and personalized service, they may not always offer the lowest rates. Carefully weigh the benefits of community support against the potential costs.