Loans

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

Personal loan - Link layer

Personal loan

Features

  • Variable rates from 6.8% APR1
  • Repay your loan over 1-5 years
  • Defer loan repayments2
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Car loan - Link layer

Car loan

Features

  • Variable rates from 6.8% APR3
  • Repay your loan over 1–5 years
  • Defer loan repayments 2
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Green Car Loan - Link layer
Ford white crossover

Green Car Loan

Features

  • Variable rate of 6.50% APR 4
  • Repay over 1 – 7 years
  • Defer loan repayments2
Apply Online Find out more
Home improvement loan - Link layer

Home improvement loan

Features

  • Variable rates from 6.8% APR3
  • Repay your loan over 1–7 years
  • Defer loan repayments2
Apply Online Find Out More
Green home improvement loan - Link layer

Green home improvement loan

Features

  • Variable rate of 6.50% APR 5
  • Repay over 1 – 7 years
  • Defer loan repayments2
Apply Online Find out more
Graduate loan - Link layer
Graduate Loan

Graduate loan

Features

  • Variable rates from 5% APR6
  • Repay your loan over 1–5 years
  • Flexible repayment options
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Student loans - Link layer
Young woman seated cross-legged on a sofa using her laptop

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.
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Overdraft - Link layer
Overdraft

Overdraft

Features

  • Withdraw up to agreed limit
  • Variable rate from 16.2%APR7
Apply Online Find Out More
Motor Finance - Link layer

Motor Finance

Features

  • Competitive fixed rate
  • Repayment terms from 2 years
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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. 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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