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 6.8% APR1
  • Repay your loan over 1-5 years
  • Defer loan repayments2

Benefits

  • Borrow up to €65,000
  • Money paid into your account
  • Quick and easy application
Apply Online Find Out More

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 6.8% APR3
  • Repay your loan over 1–5 years
  • Defer loan repayments 2

Benefits

  • Borrow up to €65,000
  • Money paid to your account
  • Quick and easy application
Apply Online Find Out More

Green Car Loan

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Features

  • Variable rate of 6.50% APR 4
  • Repay over 1 – 7 years
  • Defer loan repayments2

Benefits

  • Borrow up to €65,000
  • Money paid into your account
  • No hidden fees or charges
Apply Online Find out more

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 6.8% APR3
  • Repay your loan over 1–7 years
  • Defer loan repayments2

Benefits

  • Borrow up to €65,000
  • Money paid into your account
  • No hidden fees or charges
Apply Online Find Out More

Green home improvement loan

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Thinking of upgrading your home energy efficiency? Apply online today.

Features

  • Variable rate of 6.50% APR 5
  • Repay over 1 – 7 years
  • Defer loan repayments2

Benefits

  • Borrow up to €65,000
  • Money paid into your account
  • No hidden fees or charges
Apply Online Find out more

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 laptop, your first car or a well-earned break. Bank of Ireland offers a graduate loan to help you on your way, just select Graduate as the purpose when applying.

Features

  • Variable rates from 5% APR6
  • Repay your loan over 1–5 years
  • Flexible repayment options

Benefits

  • Borrow from €2,000
  • Defer loan repayments2
  • Quick and easy application
Apply Online Find Out More

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.

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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%APR7

Benefits

  • Apply online in minutes
  • Quick and easy application
Apply Online Find Out More

Motor Finance

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If your car finance is for an amount over €7,000, we can offer you a competitive fixed rate product. This Consumer Hire Purchase product is easy and convenient to arrange.

Features

  • Competitive fixed rate
  • Repayment terms from 2 years

Benefits

  • Own the car once term finishes
  • Easy application process
Find Out More
Warning: You may have to pay charges if you pay off a hire purchase agreement early.
Warning: : If you do not meet the repayments on your hire purchase agreement, 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 BNPL agreement in the future.

Finance is provided by way of a Consumer Hire Purchase agreement by Bank of Ireland Finance. Lending criteria and conditions apply (over 18s only). Ownership remains with Bank of Ireland until the final payment is made. Bank of Ireland trading as of Bank of Ireland Finance is regulated by the Central Bank of Ireland.

Warning: If you do not 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 BNPL agreement in the future.
Warning: The cost of your monthly repayments may increase.
1

APR stands for Annual Percentage Rate. Variable rates from 6.8% to 8.5% APR.

Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. Only banking 365 online registered customers can apply online.

The repayments on a personal loan of €20,000 over 5 years with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20.

Variable rates are correct as at 30th June 2022 and are subject to change.
2

By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the outset.
3

APR stands for Annual Percentage Rate.

Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. Only banking 365 online registered customers can apply online.

The repayments on a personal loan of €20,000 over 5 years with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20.

Variable rates are correct as at 30th June 2022 and are subject to change.
4

APR stands for Annual Percentage Rate.
Lending criteria terms and conditions apply. Over 18s only and not suitable for students. Only available to customers upgrading their car to a battery powered electric vehicle or a plug in hybrid vehicle. Quotation or invoice will be required. For full eligibility criteria visit this link.
The repayments on a Green car loan of €20,000 over 5 years with 60 monthly instalments are €389.15 per month at 6.3% variable (Annual Percentage Rate of Charge (APRC) 6.5%). The total cost of credit is €3,349.00.
Variable rates are correct as at 22nd November 2022 and are subject to change.
5

APR stands for Annual Percentage Rate.
Lending criteria terms and conditions apply. Over 18s only and not suitable for students. Only available to customers undertaking energy efficiency work on their home. Proof of work will be required. For full eligibility criteria visit this link.
The repayments on a Green home improvement loan of €20,000 over 5 years with 60 monthly instalments are €389.15 per month at 6.3% variable (Annual Percentage Rate of Charge (APRC) 6.5%). The total cost of credit is €3,349.00.
Variable rates are correct as at 30th June 2022 and are subject to change.
6

APR stands for Annual Percentage Rate

The repayments on a Graduate loan of €5,000 over 5 years with 60 monthly instalments are €94.20 per month at 4.95% variable (Annual Percentage Rate of Charge (APRC) 5.0%). The total cost of credit is €652.00. Amounts above €5,000 at alternative rates. Alternative rates offered depend on loan amount and may differ from advertised rate.

Lending criteria, terms and conditions apply and each application is individually assessed. Applicants must be over 18 years of age. The graduate loan is only available to Bank of Ireland graduate current account holders.

Variable rates are correct as at 30th June 2022 and are subject to change.
7

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.

The current variable standard overdraft interest rate (including the overdraft facility fee) is 13.25% (Annual Percentage Rate of Charge (APRC) 16.2%. The rate quoted is based on a representative example of €1,500 over a 12 month period. Total cost of credit is €243.02. Variable rates correct as at 30th June 2022 and are subject to change.

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