Personal Loan

for Dreams big or small

Upgrade your car, take that trip of lifetime
or make some home improvements with our Personal Loan

Rates

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 APR1 Variable Sample Loan amount Repayment Term Monthly Repayment Total Cost of Credit
€1,000 – €1,999 8.9% €1,500 60 months €30.84 €350.40
€2,000 – €9,999 8.5% €8,000 60 months €162.95 €1,777.00
€10,000 – €19,999 7.5% €15,000 60 months €298.83 €2,929.80
€20,000 – €65,000 6.8% €20,000 60 months €391.92 €3,515.20
6.8% €40,000 60 months €783.85 €7,031.00
6.8% €50,000 84 months2 €744.02 €12,497.69
6.8% €65,000 84 months2 €967.23 €16,247.32
Apply Online

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.

VE 7.00%
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.

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.

Lending criteria, terms and conditions apply.

1

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 18th October 2017 and are subject to change.

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

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