Personal loans

Borrow from €2,000 to €65,000 over 1-5 years


Get a quote and apply

Looking for a personal loan to start something new? Flexible repayment loans are available.

Personal Loan

Loans to suit you

  • Borrow €2,000 to €65,000
  • Competitive variable rates from 6.8% APR1
  • Apply online in 15 minutes2 (existing BOI current account holders)
  • Flexible repayment options
  • 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

Use our quick quote calculator to get an estimate of what you could afford to borrow.5

Get a quote and apply

Click here for Terms and Conditions

1APR 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. 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 2020 and are subject to change.
215 minutes refers to completed online personal loan applications by Bank of Ireland current account holders.
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.
5This calculator is provided as a guideline only. The information on the quotation is indicative and does not constitute a loan offer.
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.