Representative Example:

Loan Amount Repayment Term APR Monthly Instalment Total Interest to Pay Total amount repayable
€1,000 3 months 18.5% €343.66 €30.98 €1,030.98

*(The figures shown are for illustrative purposes only. Borrow only what you need and can comfortably afford to repay.)

Quick loan calculator

Use the calculator to get a fair idea of your potential monthly repayment and total borrowing cost. These are just the examples. Your final loan terms depend on your circumstances and loan agreement.

Your Summary
Monthly Repayment
Repayable term
Fixed APR Rate
Total Repayment

You should expect to have at least some funds available for unexpected expenses. Situations like a broken appliance, an important repair, or an urgent bill may require immediate attention before your salary day. GoBigBucks provides an online solution to explore a quick loan in Ireland.

You can utilise this option without visiting a branch. You can complete the application using your tablet, computer or phone.

We review each application using responsible lending and affordability criteria. This means you should assess your income, expenses and existing financial commitments before applying.

What are quick loans in Ireland?

Quick loans are personal loan options designed for borrowers who need funds immediately to manage their expenses.

There is an online application system, but there is still a provision for considering affordability.

Before applying, you should understand the repayment amount and total cost. However, the amount available and repayment term depend on your circumstances, affordability, and the lender’s criteria.

How quickly could you receive your money?

We may process some applications quickly, but there is no guarantee of funding within a particular timeframe. Factors like approval, completion of the loan agreement, and the banking process will determine the actual timing.

If you are looking for fast loans in Ireland, you should complete your application accurately. It will help in avoiding unnecessary delays. You should also respond swiftly if the lender requires some additional information.

We may offer same-day funding in some circumstances. However, it does not mean that you will always have instant loan payment. Your bank timing and criteria also affect the timing of funding.

quick loans in Ireland

What happens after you apply?

We will review your information against the affordable lending criteria after you submit your application. If approved, you should review the loan deals before making any decision to proceed.

Our loan process generally involves these steps:

  • Complete your application

    Fill out the online form by providing accurate personal, income and financial information.

  • Submit your details

    Your application is reviewed using the applicable lending criteria.

  • Review the offer

    Check the interest rate, repayment amount, term and total cost mentioned in the loan quote.

  • Accept the agreement

    Once you understand the terms and sure about repayment ability, you can proceed with the loan by signing the loan agreement.

This online lending system makes quick loans online applications convenient for borrowers. They find it easier to manage their finances digitally.

Submit Your Loan Application

What information do you need to provide?

Providing accurate information about your financial commitments and circumstances is important. This allows the relevant assessment to be completed based on your financial details.

Personal information depends on the application. Still, here are some basic requirements:

  • Personal identification details
  • Residential information
  • Employment or income details
  • Bank account information
  • Contact details
  • Information about existing financial commitments

You must be above 18 years old and meet the required residency and lending requirements.

It is important to provide complete information. An incorrect or incomplete application can cause unwanted delays while processing a loan.

How much could a quick loan be?

The borrowing amount depends on your financial circumstances, affordability and responsible lending criteria. You should apply for the amount which fits comfortably within your monthly budget.

Some people may need small loans in Ireland for a specific unexpected expense. Others may require a long-term loan to fulfil considerable financial need.

One more important thing is that the amount you apply for may not be the amount you should borrow.

Therefore, you should consider these things before selecting an amount:

  • Your monthly income
  • Existing debts
  • Monthly repayment
  • Essential household spending
  • Total amount to repay

Use our loan calculator given above, as it helps you understand the most appropriate loan amount and repayment term.

quick loans in Ireland

Can you get a quick loan on the same day?

We may allow funds on the same day if your application is approved and all required steps are completed without any delays. However, we do not guarantee same-day funding.

People looking for quick loans on the same day should work on several factors before submitting the application. These include the time of application, approval criteria, agreement completion and bank processing.

Here are the tips to avoid any delays:

  • Double-check your information before submitting
  • Provide any requested additional details immediately
  • Review the loan agreement carefully
  • Complete the mandatory steps as soon as possible

If you need urgent loans, remember that speed does not replace affordability checks. You should still make sure the repayments fit your budget.

What can you use a quick loan for?

A quick loan can be useful in managing an unexpected expense. However, it requires your assurance of paying the total loan cost and affording the repayments.

For example, you might consider borrowing for:

  • An essential car repair
  • An urgent household repair
  • An unexpected bill
  • A necessary replacement purchase
  • Another unavoidable personal expense

Despite the easy availability of funds with us, you should avoid borrowing for unnecessary expenses.

If you are considering quick cash loans in Ireland, first decide exactly how much you need. Borrowing less can reduce your monthly repayment and total borrowing cost.

Are quick loans available if you have bad credit?

With GoBigBucks, you have a chance of applying for a quick loan with a bad credit history. However, approval is not guaranteed. Your current financial circumstances and affordability can determine the lending decision.

If you have previously missed payments or other credit issues, it may have an impact on your application. Still, this is only one part of our assessment as we consider multiple factors.

A quick loan may be a useful option if you need money urgently. If you want a more dedicated option with a slightly higher amount, you may consider our bad credit loans.

You should never assume that a poor credit history brings only rejection. At the same time, having a specific deal does not mean that you can get quick loans for bad credit with guaranteed approval.

How much does a quick loan really cost?

The cost of a quick cash loan depends on various factors. These include the borrowed sum, interest rate and repayment term.

You need to focus on both the monthly instalment and total amount to repay before applying. A longer repayment term means smaller monthly instalments, but a higher cost of borrowing.

Compare the total cost of both shorter and longer terms if you are looking for cheap loans in Ireland. It is better than choosing a loan offer merely because the monthly payment seems lower.

Before finalising a loan deal, consider:

  • APR or interest rate
  • Monthly instalment
  • Repayment term
  • Total amount repayable
  • Any applicable fees

Our calculator can give you an illustrative estimate before you decide whether borrowing is affordable.

What should you consider before borrowing quickly?

Considering your affordability before applying for a loan is important when you need money urgently. Don’t let your financial emergency cause you to overlook the cost of borrowing.

Ask yourself these questions first:

Can I afford the monthly repayment?

You should be confident that the repayment fits together with your essential household expenses.

Do I need the full amount?

Borrow only what is necessary for the expense.

How much will I repay overall?

Check the total repayment rather than focusing only on the amount received.

Could my circumstances change?

Consider whether you could continue making payments if your income or expenses change.

If the repayments would place your essential spending at risk, borrowing may not be appropriate.

Can you get a quick loan without a credit check?

Credit assessment may form an integral part of a loan process alongside income, expenses and other financial details. You should be careful about claims where there are promises of approval without any credit check.

People looking for an instant cash loan in 1 hour without a credit check should understand that the speed of funds should meet responsible lending criteria.

A quick loan application cannot guarantee loan approval without a credit assessment. In fact, it helps you understand what information may be checked and whether you can afford the scheduled repayments before accepting a loan offer.

What makes the GoBigBucks quick loan process convenient?

We give you an online way to explore borrowing when you need funds for an unexpected expense.

  • Apply when it suits you: Complete your application online without arranging a branch visit.
  • Designed for speed: The digital process helps you submit your information without unnecessary paperwork.
  • Know the cost before deciding: Review the proposed repayment, interest and total amount payable before accepting.
  • Choose an amount you can manage: Request only what you need and consider the repayment alongside your existing expenses.
  • Stay in control: Applying does not mean you have to accept a loan. Review the terms before making your decision.

Whether you need a loan in Ireland online or want to understand your potential repayments first, you remain responsible for deciding whether borrowing is right for you.

Apply Online Now

Frequently Asked Questions

How long does it take to get the money in my Irish bank account?

Are you a direct lender or a broker?

Can I get a quick loan with bad credit or a low score on the CCR?

What documents do I need to apply?

How much can I borrow, and for how long?

Are there any hidden fees or penalties if I pay off my loan early?

What are the general eligibility requirements to apply?

Are quick loans suitable for emergencies?

Are quick loans similar to payday loans?

What happens if I cannot repay a quick cash loan?