Graduate loans

Rates from 5% APR Variable

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Graduate loans available throughout the year to suit your needs.

Student Loans

Loans to suit you

  • Competitive rate of 5.0% APR2 variable for graduates
  • Amounts above €5,000 available at alternative rates
  • Apply online in 15 minutes1 (existing BOI current account holders)
  • Choose to repay your loan over 1 to 5 years
  • Option to defer your first 3 months’ repayments3
  • Make extra repayments and clear your loan early with no penalty fees4
  • Money paid directly to your account

To see which rates apply to your needs, click here

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Click here for Terms and Conditions

Variable rates are correct as at 18th October 2017 and are subject to change. Lending criteria, terms and conditions apply. Applicants must be 18 or over and be able to demonstrate that they are a graduate. Graduate applicants must have graduated from an undergraduate or postgraduate course within the last 3 years. Proof of qualification may be sought from non-Bank of Ireland customers.
115 minutes refers to completed online personal loan applications by Bank of Ireland current account holders.
2APR stands for Annual Percentage Rate. The repayments on a student loan of €5,000 over a 60 month period are €94.20 per month based on a variable rate of 5% APR. Total amount repayable is €5,652.00. Total cost of credit is €652.00.
3Option 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.
4By paying your loan off early you will pay less than if you paid over the standard term.
Bank of Ireland is regulated by the Central Bank of Ireland
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.
WARNING: The cost of your monthly repayments may increase.