APR is the real price
The APR, the annual percentage rate, includes interest and fees and shows the yearly cost of a loan. Always compare loans by APR, not by the weekly repayment.
Lullagram · lullagram.ie/moneyFive cards, one minute. Swipe or tap the arrows.
Small weekly, big total
A low weekly payment over a long time can cost far more than a higher payment over a short time. Ask for the total amount you'll repay.
Lullagram · lullagram.ie/moneyMoneylenders cost the most
Interest from licensed high cost credit providers is capped at 1% a week, up to 48% a year. Add their fees and the APR can still be over 150%.
Lullagram · lullagram.ie/moneyAsk the credit union first
Credit unions lend to their members, often for smaller amounts. Compare their APR with the others and ask what they need from you.
Lullagram · lullagram.ie/moneyIf debts are stacking up
MABS is free and confidential on 0818 07 2000. Ringing early leaves more options open.
Lullagram · lullagram.ie/money1 of 5
Your family's money dates, in Lullagram.
Free reminders before every payment and deadline, from pregnancy to your child's 2nd birthday, plus your pregnancy and baby tracker in one app. Made in Ireland.
Sources, checked 27 October 2026: Citizens Information, Central Bank of Ireland. General information, not financial advice; it doesn't know your circumstances. Lullagram Limited isn't authorised by the Central Bank of Ireland to give financial advice, so for a decision about your own money, talk to a regulated adviser.