Graduate Loan

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 PC, your first car or a well-earned break. Bank of Ireland offers a graduate loan to help you on your way.

Features & Benefits

  • Competitive variable rates from just 5% APR1

  • Choose to repay your loan over 1 to 5 years

  • Flexible repayment options – choose to repay weekly, fortnightly or monthly.

  • Borrow between €1,000 and €5,000 at 5% APR. Amounts above €5,000 available at alternative rates1

  • Defer your first three monthly repayments (optional, only if your loan is repaid monthly). By deferring the first three monthly repayments you will pay more than if you paid over the standard term

  • When applying for a graduate product you must be able to demonstrate that you are a graduate.

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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.
WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.
1

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.

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