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Thinking of upgrading your car to a battery powered electric vehicle or a plug in hybrid vehicle? A Green Car Loan with Bank of Ireland could get you on the road. Please click here to visit our Green Car Loan page for details on how to apply.

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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 Interest Rates APR2 Variable Sample Loan amount Repayment Term Monthly Repayment Total Cost of Credit
€2,000 – €9,999 8.25% 8.5% €8,000 60 months €162.95 €1,777.00
€10,000 – €19,999 7.3% 7.5% €15,000 60 months €298.83 €2,929.80
€20,000 – €65,000 6.6% 6.8% €20,000 60 months €391.92 €3,515.20
6.6% 6.8% €40,000 60 months €783.85 €7,031.00
6.6% 6.8% €50,000 84 months1 €744.02 €12,497.69
6.6% 6.8% €65,000 84 months1 €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 over €65,000, 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 9am – 5pm.

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.

Lending criteria, terms and conditions apply.

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

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 30th June 2022 and are subject to change.

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