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Rates

How much can I afford to borrow? To give you an idea, the table below provides an example of varying loan amounts over a five year period.

Loan Amount APR1 Variable Sample Loan amount Repayment Term Monthly Repayment Total Cost of Credit
€1,000 – €1,999 8.9% €1,500 60 months €30.84 €350.40
€2,000 – €9,999 8.5% €8,000 60 months €162.95 €1,777.00
€10,000 – €19,999 7.5% €15,000 60 months €298.83 €2,929.80
€20,000 – €65,000 6.8% €20,000 60 months €391.92 €3,515.20
6.8% €40,000 60 months €783.85 €7,031.00
6.8% €50,000 84 months2 €744.02 €12,497.69
6.8% €65,000 84 months2 €967.23 €16,247.32
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Personal Lending Interest Rates

Here are the reference rates we apply to new business personal lending. These rates apply from 31 May 2018 until further notice.

VI 0.25%

The interest rate we charge for a loan may include a margin plus the reference rate. Your credit agreement shows you details of the type of interest rate we charge for your loan.

Applicants who wish to borrow under €1,000 or over €65,000 or restructure an existing Bank of Ireland loan or clear Bank of Ireland credit card/overdraft debt, please contact Direct Lending on 0818 200 334.

Our advisors are available to help Monday to Friday 8am – 8pm & Saturday 10am – 2pm.

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 IN THE FUTURE.

Lending criteria, terms and conditions apply.

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.

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

2 Terms up to 7 years available on Home Improvement Loans only.

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