Personal Loans
Made Simple
Borrow from €1,000 to €900,000 over 12-360 months. Get a quick decision with our soft search - no impact on your credit score.
How much would you like to borrow?
Checking your rate won't affect your credit score
Why Choose RealFinanse ltd?
We're a direct lender committed to responsible lending and excellent customer service
Soft Search Technology
Check your eligibility without affecting your credit score. Only a soft search is performed initially.
Bad Credit Considered
We look at your full financial picture, not just your credit score. Everyone deserves a fair chance.
Direct Lender
No broker fees or middlemen. Deal directly with us from application to repayment.
Fast Decisions
Get a decision in minutes. If approved, funds can be in your account within 24 hours.
No Homeowner Required
Our loans are unsecured - you don't need to own a home to apply with us.
€1,000 - €900,000
Flexible loan amounts over 12-360 months to suit your needs and budget.
Our Loan Types
Whatever you need the money for, we have a loan to suit your needs
Bad Credit Loans
Past credit issues shouldn't define your future. We look at your full financial...
Learn moreDebt Consolidation
Combine multiple debts into one manageable monthly payment. Simplify your financ...
Learn morePersonal Loan
A flexible personal loan for any purpose. Borrow from €1,000 to €900,000 with fi...
Learn moreHome Improvement
Fund your home renovation projects, from kitchen upgrades to bathroom remodels....
Learn moreUnsecured Loans
No collateral required. Our unsecured personal loans are based on your income an...
Learn moreCar Finance
Get behind the wheel of your dream car. Our car loans offer competitive rates fo...
Learn moreGuarantor Loans
With a guarantor, you may be able to access better rates or higher amounts. A tr...
Learn moreSelf-Employed Loans
Being your own boss shouldn't limit your borrowing options. We understand irregu...
Learn moreHow It Works
Get your loan in 3 simple steps
Apply Online
Complete our simple online application in just a few minutes. We only perform a soft search initially.
Get Your Decision
Receive an instant decision. If approved in principle, we'll verify your details and make a final offer.
Receive Your Funds
Once approved, sign your agreement online and receive your funds within 24 hours.
What Our Customers Say
"Fantastic service from start to finish. The application was quick and easy, and I had the money in my account the next day. The team at RealFinanse ltd were very helpful when I had questions."
Jan 01, 2026"I was worried about applying due to my credit history, but RealFinanse ltd gave me a fair chance. The process was transparent and I knew exactly what I was paying back."
Jan 27, 2026"Needed a loan for home improvements and RealFinanse ltd made it so simple. The soft search feature is great - it didn't affect my credit score when checking my rate."
Feb 19, 2026"Good experience overall with RealFinanse ltd. The interest rate was a bit higher than I hoped, but the service was excellent and the money came through quickly when I needed it."
Feb 14, 2026"Used RealFinanse ltd to consolidate my debts and it was the best decision. One monthly payment is so much easier to manage. Thank you!"
Jan 11, 2026"The online application at RealFinanse ltd was straightforward and I appreciated being able to do everything from my phone. Customer service was responsive when I had a question."
Feb 03, 2026Frequently Asked Questions
Find answers to common questions about our loans
You can borrow between €1,000 and €900,000 with us. The exact amount you're offered will depend on your individual circumstances, including your income, existing debts, and credit history.
Our representative APR is 3%. However, the rate you're offered may vary based on your individual circumstances. We'll always show you the exact rate before you commit to anything.
You'll receive an initial decision within minutes of completing your application. If we need additional information, our team will contact you promptly.
Once your application is fully approved and you've signed your loan agreement, we aim to transfer funds to your bank account within 24 hours.
When you first apply, we only perform a soft credit search, which doesn't affect your credit score. A full credit check (which may impact your score) is only performed if you decide to proceed with your application after receiving your initial quote.
Ready to Get Started?
Apply now and get a decision in minutes. Checking your rate won't affect your credit score.
Apply Now