Personal loans

Find the best loan for you and see how much you could borrow before you apply.

Apply Online

Key Features

  • Variable rates 6.8% to 8.5% APR1

  • Loans from €2,000 - €65,000

  • Loan terms from 1 to 5 years

  • Clear your loan early and pay less interest

  • Option to defer first 3 months’ repayments2

  • No need to hold any savings against your loan

  • Apply online in 15 minutes3 (existing 365 online registered customers)

Apply Online

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.

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.


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.


15 minutes refers to completed online personal loan applications by Bank of Ireland current account holders.

Other Bank of Ireland Products

Ways we can help