Loans

Bank of Ireland Loans - a loan for whatever, whenever...

Personal loan

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More flexible terms for personal loans at Bank of Ireland. We have the personal loan to suit your needs; whether it’s a holiday you're planning or that big day out. Use our personal loan calculator to find the terms and payment options that are right for you.

Features

  • Variable rates from 7.5% APR1
  • Defer loan repayments

Benefits

  • Borrow up to €65,000
  • Money paid into your account
  • Quick and easy application

Car loan

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Thinking of buying a car? With a variable rate loan from Bank of Ireland you have the option of making extra repayments and clear your loan early.

Features

  • Variable rates from 7.5% APR2
  • Repay your loan over 1–5 years
  • Defer loan repayments

Benefits

  • Borrow up to €65,000
  • Money paid to your account
  • Quick and easy application

Home improvement loan

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Thinking of that new kitchen? Converting your attic? Extending your home? Get the ball rolling on whatever home improvement project you choose with a home improvement loan from Bank of Ireland.

Features

  • Variable rates from 7.5% APR2
  • Repay your loan over 1–7 years
  • Defer loan repayments

Benefits

  • Borrow up to €65,000
  • Money paid into your account
  • No hidden fees or charges

Graduate loan

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Being a graduate means making important life choices. Sorting out your finances after college can be tough at the best of times. Perhaps you need a new PC, your first car or a well-earned break. Bank of Ireland offers a fantastic range of benefits to help you on your way.

Features

  • Variable rates from 5% APR3
  • Repay your loan over 1–5 years
  • Flexible repayment options

Benefits

  • Borrow from €1,000
  • Defer loan repayments
  • Quick and easy application

College finance loan

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Bank of Ireland College Finance is designed to provide a cost effective and simple payment solution for parents to fund the cost of their child’s undergraduate Student Contribution Charges.

Features

  • Competitive interest rate
  • Borrow up to €3,000 per year
  • Maximum loan term is 8 years

Benefits

  • Spread the costs

Student loans

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Looking for a student loan? We have the student loan for you - whether you need to borrow money to pay for your everyday college expenses or want a more specific loan for your student contribution charge. Check out our range of student products here.

Overdraft

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An overdraft facility provides extra flexibility when you need it most and is available to Bank of Ireland current account customers.

Features

  • Withdraw up to agreed limit
  • Variable rate from 16.2%APR4

Benefits

  • Apply online in minutes
  • Quick and easy application

Consumer Hire Purchase

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For finance amounts over €7,000, our excellent Consumer Hire Purchase package offers a great low fixed interest rate. Hire Purchase is a traditional form of car finance that is very convenient to arrange.

Features

  • Competitive fixed rate
  • Repayment terms from 2 years

Benefits

  • Own the car once term finishes
  • Easy application process

Lending criteria, terms and conditions apply.

This is a Consumer Hire Purchase Agreement** provided by Bank of Ireland trading as Bank of Ireland Finance.

1

APR stands for Annual Percentage Rate.

Rates depend on your individual circumstances and may differ from advertised APR. Over 18 years only. Lending criteria, terms and conditions apply; rate is dependent on previous account performance. Where applicants do not meet this criteria, alternative rates may apply. Only existing Bank of Ireland customers can apply online.

Variable rates are correct as at 14th September 2016 and are subject to change.

The repayments on a personal loan of €7,000 over 5 years are €139.46 per month based on a variable rate of 7.5% APR. The total cost of credit is €1,367.60.

Variable rates are correct as at 14th September 2016 and are subject to change.

2

APR stands for Annual Percentage Rate.

Rates depend on your individual circumstances and may differ from advertised APR. Over 18 years only. Lending criteria, terms and conditions apply; rate is dependent on previous account performance. Where applicants do not meet this criteria, alternative rates may apply. Only existing Bank of Ireland customers can apply online.

Variable rates are correct as at 14th September 2016 and are subject to change.

3

APR stands for Annual Percentage Rate

The repayments on a Graduate loan of €5,000 over 5 years are €94.20 per month based on a variable rate of 5.0% APR. The total cost of credit is €652.00. Amounts above €5,000 at alternative rates. Amounts above €5,000 at alternative rates.

Alternative rates are dependent on individual circumstances and previous account performance.

Lending criteria and terms and conditions apply and each application is individually assessed. Applicants must be over 18 years of age and be able to demonstrate that they are a graduate. Graduate applicants must have graduated from an undergraduate or postgraduate course within the last 3 years. Proof of qualification may be sought from non-Bank of Ireland customers. Only Bank of Ireland customers can apply online.

Variable rates are correct as at 1st February 2017 and are subject to change.

4

The Bank may vary the borrowing rate up or down at any time or times at its discretion. The Bank will notify you in advance of borrowing rate increases in accordance with the European Communities (Consumer Credit) Regulations 2010.

The Bank will calculate interest on the daily balance outstanding (after adjustment is made for cheques in the course of collection).
Interest on the Facility is calculated at the Borrowing Rate shown in the Important Information on a daily basis and is charged by the Bank quarterly.

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