Postgraduate Loan

The Postgraduate loan is available to you if you are considering undertaking a full time postgraduate course. Our Postgraduate Loan is an easy and affordable way for you to cover your fees.

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Rates

Competitive rate of 5.6% APR variable1.

The following loan example will give you an idea of the cost of Postgraduate Loan of €10,000 over a 5 year period deferring the first 12 months repayments:

Cost of Loan example: Loan repayments are deferred for the first 12 months but interest will apply on loan balance from the date of first drawdown2. The indicative cost based on an interest rate of 5.5% variable (Annual Percentage Rate of Charge (APRC) 5.6%) assuming drawdown of the full amount of €10,000 with deferral of the first 12 months’ repayments and full capital & interest repayments for the following 48 months (from month 13) would be €245.50 per month for 48 months. Total amount repayable of €11,784.00. Total cost of credit €1,784.00.

Personal Lending Interest Rates

Here are the reference rates we apply to new business personal lending. These rates apply from 13th September 2018 until further notice.

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.
1

APR stands for Annual Percentage Rate
2

Interest will be charged on your loan from the date of your first draw down and continue to be added to your loan balance on a quarterly basis. By deferring your repayments for 12 months you will pay more interest over the term of your loan than you would if you had commenced repayments from the outset.

Variable rates quoted are correct as at 26th July 2022 and are subject to change.

Lending criteria, terms and conditions apply. Applicants must be 18 or over. Applicants must be resident in the Republic of Ireland.

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