Tackle Your Debt

If you already have a number of credit cards, loans and other credit agreements in place, you may find it difficult to keep track of your finances. As a result, you may begin to miss payments and get into financial trouble. This can create a lot of unnecessary stress and anxiety.

Chill Money is here to help you get your finances back in order and put your mind at ease. Whether it’s for paying off existing credit cards or other outstanding debts, we offer one of the most straightforward debt consolidation loans in Ireland. We offer loans ranging from €5,000 and €50,000 to help you to take control back of your money matters.

Why Choose Chill Money

   Borrow up to €50,000 (subject to lending criteria)

   Get your finances back on track

   No added costs for early repayments


Manage Your Finances

When you find yourself in financial difficulty, it can be tempting to bury your head in the sand and hope that the problem goes away. However, this approach is likely to only result in more hardship. Taking control back of your finances may seem like a daunting task but with a bit of planning, you can monitor your income and expenditure quite easily. Firstly, we recommend using a budget planner, along with an income and expenditure form that will allow you to identify where you can cut down on expenses.

The next step is to set a monthly budget and stick to it. Creating this kind of financial plan is recommended for everyone, particularly if you have monthly direct debits already in place. If you adhere to your budget, you should find it easier to reduce your expenditure, which will make it a lot easier to tackle your debt.


Depending on your circumstances, a refinancing loan combines your debts so that you can make monthly repayments over a term that’s right for you. This solution is designed to help you manage your money and free up your cash flow.

Applying for a refinancing loan with Chill Money is very straightforward. Just put your details into our online calculator and you should have a decision within minutes. No stressful bank appointments, no burdensome paperwork. Whether you’re using a laptop, tablet or phone, you can see if you’re eligible for a personal loan today and in just a few clicks, you could turn your out-of-control debts into a manageable repayment plan.

For more information, take a look at our guide to managing debt.


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.