Personal Loan

More flexible terms for personal loans at Bank of Ireland.
We have the personal loan to suit your needs; whether it’s for a holiday you're planning or a big day out. Use our personal loan calculator to find the terms and payment options that are right for you, then apply online, phone 0818 200 334 or call in to your nearest Bank of Ireland branch.

Features & Benefits

With the personal loan you get:

  • Competitive variable rates from as little as 7.5% APR1

  • Choose to repay your loan over 1 to 5 years

  • 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

  • Borrow from €1,000 to €65,000

  • Once approved, money is paid directly to your Bank of Ireland current account

  • Quick and easy online application for Bank of Ireland customers. Non-Bank of Ireland customers can call us on 0818 200 334 or drop into a local branch

  • Use our quick quote calculator to estimate how much you could borrow2

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.
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Rates depend on your individual circumstances and may differ from advertised APR. Over 18 years and existing Bank of Ireland current account customers only. Lending criteria, terms and conditions apply; rate is dependent on previous account performance.

The repayments on a personal loan of €7,000 over 5 years are €139.46 per month based on a variable ate of 7.5% APR. The total cost of credit is €1,367.60.

Where applicants do not meet this criteria, our standard variable rate of 11.5% APR will apply to online and phone applications and a variable rate of 12.8% APR to in-branch applications.

The repayments on a personal loan of €7,000 over 5 years are €151.85 per month based on an online / phone variable rate of 11.5% APR. The total cost of credit is €2,111.00.
The repayments on a personal loan of €7,000 over 5 years are €156.16 per month based on branch variable rate of 12.8% APR. The total cost of credit is €2,369.60.

Variable rates are correct as at 18th June 2015 and are subject to change.

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Disclaimer

This calculator is provided as a guideline only. The information on the quotation is indicative and does not constitute a loan offer.
Variable rates are correct as at 18th June 2015 and are subject to change.

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