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Upcoming wedding, holiday or big purchase?
Get a loan tailored to you.
Variable rates from as little as 7.1% to 8.9% APR1. Get a lower rate from 5.0% APR if you’re a graduate borrowing up to €5,000.
Option to defer your first three monthly repayments if you repay your loan on a monthly basis.
If you are a current account holder registered for 365 online, you can make an online application in just 15 minutes.
Borrow between €2,000 and €75,000 and repay your loan weekly or monthly over 1 to 5 years.
Make extra repayments to pay off your variable rate loan early and pay less interest with no penalty fees.
You do not need to save with us to borrow from us.
To be eligible to apply online, you must be:
To apply, you will need:
Please note: New customers can apply for a loan by calling our loans team on 0818 200 334 9am to 5pm, Monday to Friday.
We may need to ask you for more documents based on your situation and reason for the loan. If you apply for a loan of €500 or more, we will ask the Central Credit Register for a report to check your credit history.
Lending criteria, terms and conditions apply.
Apply for a personal loan
A personal loan lets you borrow money for things like a wedding, a once in a lifetime holiday, or a large purchase.
With our personal loans, you get a lump sum of money — between €2,000 and €75,000. You then pay it back with interest over a set time, from 1 to 5 years. You can choose to make payments every week or every month, depending on what works best for you.
You do not need to offer anything as security to apply. We look at your credit history to decide if you qualify.
These representative examples illustrate how much it could cost to borrow various amounts over 5 years.
Variable rates are correct as at 5 February 2025 and are subject to change.
Internal reference rates
We apply reference rates to all new loans. The reference rate is an internal rate we use to work out how much it will cost us to give you a loan. It includes the cost of funds to the bank and administration costs for the set-up and maintenance of the loan.
Please note: Your credit agreement explains all the interest rate types we charge for your loan. Lending criteria, terms and conditions apply. Over 18s only.
Use our loan calculator to tell us how much you want to borrow and for how long, and we’ll work out your loan repayments.
This will depend on:
Use our loan calculator to get an idea of what your repayments might be.
Your loan application will be processed by our lending team. You will receive an update on your application within 24 hours. If they require more information, our lending team will contact you directly by phone or email.
Once a loan is approved you have 30 days to draw it down. After this time, a new application needs to be submitted.
There are no arrangement fees, deposits, or “balloon” repayments associated with our loans.
There may be a charge if you pay back a fixed rate loan early.
A graduate loan is when an amount of money is given to you by a financial institution which you can use to help you sort out your finances after college whether you need a new laptop, your first car or a well-earned break. You agree to repay the loan amount plus interest to the financial institution over a certain length of time.
You can apply for a graduate loan if you:
See our full loan FAQs
Our loan teams are here to help.