Personal Loans

About Chill Money

How Much Can I Borrow?

The good news is loans offered start from €5,000 up to €50,000. The amount you can borrow will be based on your repayment capacity and financial status. Each application is assessed individually and the usual checks are carried out, including a credit check, when you apply for a loan.

Are There Terms And Conditions?

Rates are correct as of 30th January 2017 and are subject to change. Lending criteria, terms and conditions will apply. Personal loans are unsecured and not available for business purposes, house purchase or investment.

Am I Eligible To Apply?

If you are over 18 and a resident of the Republic of Ireland you are eligible to apply for a Personal Loan from Chill Money.

My Application

I Need To Change Some Details On My Application, What Should I Do?

Once you have submitted your application you will not be able to change any details without calling us on 0818 555 850.

Is It Possible To Make A Joint Loan Application?

It’s not possible to make a joint application. However, with their consent, you can include income from another household member in your application. If you do this we will request their personal documents as well.

I Received A Declined Notification, Can I Try With Different Criteria?

If your circumstances have changed since your application was declined you can submit a new application.

I'm Leaving Ireland To Work Abroad, What Happens To My Loan?

You will need to contact us to make suitable arrangements for your loan. Please contact us on 0818 555 850.

My Payments

How Do I Make Repayments?

Payments are taken automatically via direct debits, as per your payment schedule. If you are late with a payment you will need to make a manual payment by debit card. This can be done by giving us a call on 0818 555 850.

Over How Many Years Can I Repay The Loan?

Depending on your circumstances and the type of loan, you can choose to repay your loan over a period of 1-5 years.

What If I Miss A Payment?

A €10 fee will apply each time your monthly repayment has not been met.

I’m Not Sure I Can Meet My Repayments, What Can I Do?

If you’re concerned about meeting your repayments or if you’re experiencing financial difficulties please call the loan team on 0818 555 837 as soon as possible and they will work with you to find a solution.

You can also check out our guide to managing debt.

Credit Cards


How Do I Activate My Card?

Now that you’ve received your new Chill Money credit card you will need to activate it online. To activate your card you will need your card or account number and credit limit details at hand. You should have received an email providing a link to a card activation page. Follow the instructions and you will be just a few steps away from receiving your Chill Money credit card.

Fees & Charges

What Interest Rate Will I Be Charged?

The various rates on a Chill Money credit card are as follows:

  • APR charged on purchases 22.9%*
  • Annual (nominal) interest rate charged on purchases 16.8%
  • Annual (nominal) interest rate charged on cash withdrawals 16.8%

*The APR is based on an certain assumptions i.e. that the agreement will remain valid for a period of one year; that we will both comply with our obligations under the agreement, that the applicable interest rate is, and will remain, the highest applicable interest rate in relation to retail transactions at the date of the agreement; that all charges will remain fixed at the levels set out in the agreement, that if your credit limit has not yet been agreed, it will be €1,500, that you will drawdown the full amount of your credit limit.

Why Have I Been Charged Retail Interest?

Interest will be charged on all transactions, handling fees and default charges. The interest charged will start on the date that they are posted or applied to your account and end on the date that you pay the total account balance in full.

You won’t be charged interest on card purchases provided you have paid off your total account balance on both your current and previous month’s statement by the due date.

Retail interest is calculated daily so the earlier you make a repayment, the less retail interest you will be charged.

Interest will appear as a “Finance Charge” on your statement.

Are There Any Other Fees And Charges?

The following fees and charges apply to Chill Money credit card customers:

Late fee: There will be a fee of €15.24 each time your minimum payment has not reached your account in cleared funds by payment due date. At least your minimum payment must be cleared onto your account before this date to remain in compliance with your AvantCard agreement.  Accounts with payments received after the due date shown on your statement are subject to late fees.

Over Limit fee: A fee of €12.70 will be charged if your account has exceeded its credit limit at any time during that statement period.  This is a one time fee during any statement period.

Returned Payment fee: A fee of €19.05 will be charged each time we return a direct debit or another item for payment into your account.

Cash Handling Fee: A charge of 1.5% (minimum €2.50, no maximum) is applied to your account when you make cash transactions. A cash transaction is considered to be any transaction where cash or a cash substitute is received as a result of using your card or card number. For example, an ATM or bank withdrawal is considered a cash transaction.

Foreign Exchange Commission: When your Chill Money credit card is used in a non-euro currency within the EEA, you will sometimes receive a notification by way of SMS/Email which will inform you of the total mark-up applied to that transaction. You can opt out of receiving these notifications by contacting us on 0818 812 800.

To see the total percentage mark-up applied to foreign exchange transactions within the European Economic Area (EEA), click here.

Government Stamp Duty: Each year the government charges a tax (stamp duty) on all cards issued by financial institutions. This charge is applicable to each unique card/account you have in your own name. This stamp duty may change on a yearly basis depending on the amount agreed by the government in the annual budget. For more information on current rates and further details please visit the Revenue Commissioners website.

Payments at the post office: If you have to make a payment over the counter at a post office a processing fee of €0.97 will apply.

Ongoing Help & Support

When Will I Receive My Statement?

We will send a notification via email on a monthly basis to let you know that your statement is ready to view online. Your statement will inform you of the minimum payment amount and the date it is due. In certain circumstances we can amend the statement so your payment date falls at an alternative time of the month. If you need to discuss your statement with us please call our team on 0818 812 800.

Can I Request To Have My Statements Sent By Post?

Unfortunately, we don’t send statements via post. However, there is an option to download your online statement into a PDF format. This will allow you to print off your statements.

Why Are Some Months Showing As 'not available' On My Statement Menu?

If a statement has yet to be generated for that month you will see this message on the statement menu. This can arise if there was no balance on your account at that time.

How Is My Minimum Payment Calculated?

The minimum payment you must pay by the due date as shown on your statement each month, will be an amount calculated as follows:

  • If your statement balance is €25 or less, it will be the total amount of the balance shown.
  • If your statement balance is more than €25, your minimum payment will be the greater amount of either: €25 or 1% of your statement balance before any default charges, processing fees, MasterCard foreign currency fees and interest (to which we’ll then add an amount equal to the default charges, processing fees, MasterCard foreign currency fees and interest). Your minimum payment will not exceed the balance shown on your statement.

I'm Not Receiving My Statement Email Notification, What Should I Do?

Check that the email address we hold for you is correct. You can do this by logging into your online banking account in your Settings menu.  If the email address you have provided is a business email account then the firewall may be blocking the email being delivered. Finally check your ‘junk/spam’ inbox and if the email is located there then add the email to your safe list.

How Can I Make A Complaint?

If you would like to make a complaint, please write to the Customer Advocate Manager, PO Box 25, Carrick–on–Shannon, Co. Leitrim. We have procedures in place to ensure we handle your complaint fairly and quickly and further details on these procedures can be obtained on request. However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Services Ombudsman, Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.

Lost, Stolen or Replacement Cards

How Can I Report My Card Lost Or Stolen?

To report a car lost or stolen, please call Freephone 1800 409 512. If you are phoning from abroad, please call +353 71 95 94065.

How Long Does It Take For A New Card To Arrive?

Once ordered, a replacement card will take 5-7 working days to arrive.

The Central Credit Register (CCR)

What is the Central Credit Register?

The Central Credit Register (CCR) is a new secure system for collecting personal and credit information on credit applications and credit agreements of €500 or more. It is owned and operated by the Central Bank of Ireland, under the Credit Reporting Act 2013. For more information click here.

What does the CCR mean for me?

The Central Credit Register contributes to financial stability and consumer protection by:

•Providing lenders with a better analysis of borrowers’ creditworthiness;

•Giving information to borrowers on their financial profile;

•Giving the Central Bank better insight into financial markets; and

•Supporting the Central Bank’s role of supervising the financial sector and ensuring financial stability.

Avantcard shares your information with the Central Credit Register (CCR) which is used to create individual credit reports. The Central Bank of Ireland owns the information held on the CCR and is the data controller under the Data Protection Acts. You have a right to request your credit report, free of charge at any time (subject to fair usage). For more information visit

To learn what the CCR means for my loan application click here.

To learn what the CCR means for my credit card application or request for credit limit increase click here.