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12,000 Euro loan

Making a big life change? Invest in your future with our loans. Apply to borrow up to 30,000 Euro, with an Annual Percentage Rate (APR) starting from 6.5%.

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How to borrow 12,000 Euro with Revolut

Whether you're buying a car or starting a home improvement project, we've got you covered. Apply for a loan in 3 steps.

  • 1. Open the Revolut app

    Make sure your Revolut app is updated to the latest version and go to the home screen. If you're new to Revolut, download the app for iOS or Android, then sign up.

  • 2. Complete your application

    Select 'Accounts' from your home screen dropdown menu, then tap 'Add new'. Scroll down and tap 'Credit' to start your application.

  • 3. Get your loan

    If you're approved and you accept our offer, we'll add the loan amount to your Revolut account.

Let's crunch some numbers

How much does a 12,000 Euro loan cost?

Imagine you borrow 12,000 Euro for 60 months with a variable interest rate of 6.31% and 6.5% APR (where the APR and interest rate don't change during the loan term).

The total amount you'll pay is 14,023.8 Euro, with monthly instalments of 233.73 Euro. This includes your repayment plus the total cost of interest, which would be 2,023.8 Euro. The cost of your monthly repayments may increase depending on your assigned APR.

Interest rates vary depending on your credit profile, the size of your loan, and the term of your loan. These may differ from the advertised rate. We offer variable rates from 6.50% APR to 12.99% APR. You'll see the final calculation in-app.
How much does a 12,000 Euro loan cost?
Tick those boxes

Am I eligible for a 12,000 Euro loan?

Here are some of the points we check when you apply for a loan, although we may also consider other factors. To be eligible, you need to:
  • be 18 years or older
  • be a full-time resident in the Republic of Ireland with both a registered Irish address and an Irish mobile number on your Revolut account
  • be an active Revolut customer and have regularly used your Revolut card for more than 30 days
  • be employed in Ireland and have your salary or pension paid directly into your Revolut, AIB, Bank of Ireland, or Permanent TSB account for a minimum of 3 months
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Am I eligible for a 12,000 Euro loan?

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Apply for a 12,000 Euro loan today

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The lowdown on pricing

Get low interest rates with your 12,000 Euro loan

How competitive is our pricing? We've got low rates we're sure you'll love. But don't take our word for it — apply for your personalised loan and decide what's best for you.Check it out
Get low interest rates with your 12,000 Euro loan

No fees when you borrow 12,000 Euro with Revolut

Getting a loan means investing in your future. Make that commitment confidently when you borrow money with Revolut. You'll see all costs and terms upfront before you sign — no fees, no small print.
No fees when you borrow 12,000 Euro with Revolut

Need a little more help?

12,000 Euro loan FAQs

  • The application process for credit is simple and straightforward. It should only take a few minutes to fill out your form, get our decision, and receive an offer if you're approved. Sometimes, additional documents such as payslips may be required. In these cases, it can take a little longer. We'll notify you if this happens. Visit our Help Centre for more on the loan application process.
  • You most likely won't be eligible for a loan if you have a bad credit history or current overdue debts. We'll run a credit check when you apply.
  • These are some of the loan eligibility criteria we'll check when you apply, although we may take additional factors into consideration. To be eligible, you need to:
    • be 18 years or older
    • be a full-time resident in the Republic of Ireland with both a registered Irish address and an Irish mobile number on your Revolut account
    • be an active Revolut customer and have regularly used your Revolut card for more than 30 days
    • be employed in Ireland and have your salary or pension paid directly into your Revolut, AIB, Bank of Ireland, or Permanent TSB account for a minimum of 3 months
    We're currently unable to use our open banking system to link to An Post, EBS, or Credit Union accounts. If your income is paid into one of those institution's accounts, you won't be able to apply for credit with us at this time. Consider having your salary paid into your Revolut account if you want to apply for a loan with us.
  • We carry out a credit check by gathering information from the Central Credit Register on all applicants' personal credit history. We only run these checks on the individual who's applying for credit and will never carry these out without your consent. We don't run credit checks on any third-party applicants, such as a spouse or partner. More information on the Central Credit Register: Web Address: http://www.centralcreditregister.ie Email: consumerinfo@centralcreditregister.ie Phone: +353 (0)1 224 5500
  • You can apply for a loan in just a few steps.
    1. Make sure your app is updated to the latest version. If you're new to Revolut, download the app for iOS or Android, then sign up.
    2. Select Accounts from your home screen dropdown menu and tap Add new. Then scroll down and tap Credit.
    3. Fill in and submit your application.
    4. We'll send you our decision quickly. If you're approved for the loan and you accept our offer, we'll add the money you're borrowing to your Revolut account.
  • If you're struggling to make a repayment or think you might struggle to do so in the future, please contact us via chat or email. We’re here to help, and we’ll discuss ways you can manage your repayments. If you miss a payment, we may also report it to the credit bureau. This might show up in your credit file and negatively impact your credit history. We’ll update your file every month to reflect the status of your repayments and the amount you owe.
  • The loan period for a Revolut loan in Ireland is from 1 to 5 years.
  • You’ll repay your loan in equal instalments on the same date every month throughout the term of the loan. We'll collect your first instalment on your requested repayment date, which is no more than one month from the date we paid the loan into your account. Your repayments will include both capital and interest. We’ll charge your repayments directly to your Revolut Euro account. If there's not enough money in your account and you've set up a backup card, we'll charge it to your card.
  • When assessing credit applications, we take various factors into consideration. Some of the main reasons an application may be unsuccessful can include insufficient income, low repayment capacity, and poor credit history, among others. If we're unable to approve your credit application, we'll communicate this to you as part of the in-app application process. When applying for credit, please make sure to link all accounts where you receive income. Read more on why your loan application may be rejected in our Help Centre.
Representative example of a Revolut loan: A €5,000 loan over a term of 3 years with a variable interest rate of 6.31% and 6.50% APR (where the APR and interest rate don't change during the loan term) has 35 monthly instalments of €152.82, a final 36th repayment of €152.75, and total interest payable of €501.45, resulting in a total amount repayable of €5,501.45. If you're worried about making payments on any of your Revolut loans or credit, we're here to help. Please contact us as soon as you can. Find more information on managing your repayments here. Revolut Bank UAB is authorised by the Bank of Lithuania in the Republic of Lithuania and by the European Central Bank. It is regulated by the Central Bank of Ireland for conduct of business rules. Lending criteria, terms, and conditions will apply. Personal loans are available to Revolut customers who are residents of the Republic of Ireland and over the age of 18. Personal loan applications are subject to approval. Interest rates vary depending on your credit profile, the size of your loan, and the term of your loan. These may differ from the advertised rate. We offer variable rates from 6.50% APR to 12.99% APR.
Warning: If you don't 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, a hire-purchase agreement, a consumer-hire agreement, or a Buy Now Pay Later (BNPL) agreement in the future.