Home Improvement Loan

Need a new kitchen? Doing the attic? Here's a loan that can help.

Key Features

  • Variable rates from 7.5% APR1

  • Borrow €7,500 for less than €150 per month2

  • Amounts from €1,000 - €65,000

  • Loan terms from 1 to 7 years

  • Flexible repayment options – clear your loan early and pay less interest

  • Option to defer first 3 months’ repayments3

  • No need to hold any savings against your loan

  • Apply online (existing BoI current account holders) by phone or in branch

Apply Online Now
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.

Rates depend on your individual circumstances and may differ from advertised APR. Over 18 years only. Lending criteria, terms and conditions apply; rate is dependent on previous account performance. Where applicants do not meet this criteria, alternative rates may apply. Only existing Bank of Ireland customers can apply online.

Variable rates are correct as at 14th September 2016 and are subject to change.

2

The repayments on a personal loan of €7,500 over 5 years are €149.42 per month based on a variable rate of 7.5% APR. The total cost of credit is €1,465.20.

3

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.

Ways we can help