Personal Loans in Ireland can be obtained with interest rates starting from around 11% APR fixed.

The best fixed rate APR over 5 years (Autumn 2011) is 10.75% from National Irish Bank .
A loan of €22000 Euro – at 10.75% over 5 years would result in total repayments of €28211.21

You can check a range of Best Buys on loans, mortgages and savings accounts at Money Guide Ireland

When applying for a loan, each lender may determine your eligibility for a loan using a criteria such as your credit rating, credit scoring or home ownership.

Tips : Make sure you ask what your repayments will be over a number of different terms.
On a fixed rate loan you will be charged a penalty for paying the loan off early.

Don’t use personal loans to finance your day-to-day living expenses – adjust your budget instead.

A personal loan can work out cheaper than an overdraft. Overdraft rates at some banks can be as high as 15% .
Credit Card interest rates can be as high as 27% - so converting credit card debt to a loan will reduce interest costs.

Don’t borrow more than you can afford. If your budget is too tight, you will have to borrow again or use a credit card just to meet your everyday needs.

Don't forget to try your local Credit Union - some of them are apparently offering rates as low as 7 or 8% APR. You will need to have a savings account with them to qualify for a loan.

These are some of the financial institutions offering personal loans in Ireland:

AIB , Bank of Ireland , Credit Unions, National Irish Bank
Permanent TSB , Ulster Bank