Personal loans

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If you are upgrading your homes energy efficiency you may be able to avail of a lower interest rate with our Green home improvement loan. Please visit our Green home improvement loan page for details on how to apply here 1

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 Interest Rates APR2 Variable Sample Loan amount Repayment Term Monthly Repayment Total Cost of Credit
€2,000 – €9,999 8.25% 8.5% €8,000 60 months €162.95 €1,777.00
€10,000 – €19,999 7.3% 7.5% €15,000 60 months €298.83 €2,929.80
€20,000 – €65,000 6.6% 6.8% €20,000 60 months €391.92 €3,515.20
6.6% 6.8% €40,000 60 months €783.85 €7,031.00
6.6% 6.8% €50,000 84 months3 €744.02 €12,497.69
6.6% 6.8% €65,000 84 months3 €967.23 €16,247.32
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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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Warning: The cost of your monthly repayments may increase.

Lending criteria, terms and conditions apply.


Work being undertaken must include one of the below to qualify for an Green home improvement loan:

- Renewable Energy Upgrade (e.g. solar panels)
- Attic/Floor/Wall Insulation
- Pipe Insulation
- Sustainable water/heating systems
- Boiler Upgrade
- Installation of energy efficient controls in the home
- Door/Window Replacement
- Deep retrofit (e.g. as part of the SEAI Deep Retrofit grant)

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.

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.

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

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