Loans

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

Personal loan - Link layer

Personal loan

Features

  • Variable rates from 6.8% APR1
  • Defer loan repayments
  • Repay your loan over 1–5 years
Car loan - Link layer

Car loan

Features

  • Variable rates from 6.8% APR1
  • Repay your loan over 1–5 years
  • Defer loan repayments
Home improvement loan - Link layer

Home improvement loan

Features

  • Variable rates from 6.8% APR2
  • Repay your loan over 1–7 years
  • Defer loan repayments
Graduate loan - Link layer

Graduate loan

Features

  • Variable rates from 5% APR3
  • Repay your loan over 1–5 years
  • Flexible repayment options
Student loans - Link layer

Student loans

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 - Link layer

Overdraft

Features

  • Withdraw up to agreed limit
  • Variable rate from 16.2%APR4
Consumer Hire Purchase - Link layer

Consumer Hire Purchase

Features

  • Competitive fixed rate
  • Repayment terms from 2 years

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.

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 Bank of Ireland customers can apply online.

The repayments on a personal loan of €20,000 over 5 years are €391.92 per month based on a variable rate of 6.8% APR. The total cost of credit is €3,515.20.

Variable rates are correct as at 18th October 2017 and are subject to change.

2

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 Bank of Ireland customers can apply online.

The repayments on a personal loan of €20,000 over 5 years are €391.92 per month based on a variable rate of 6.8% APR. The total cost of credit is €3,515.20.

Variable rates are correct as at 18th October 2017 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. Alternative rates offered depend on loan amount and may differ from advertised rate.

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 18th October 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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