Discover your borrowing options

Take control of your finances.

Answer a few simple questions to see which borrowing option may be best for you.

 
 

Which borrowing option is right for me?

Understanding the different borrowing options we offer can help you choose which option is right for you.

Credit cards

  • Short-term borrowing solution.
  • Set credit limit.
  • Pay off the balance in full each month or you’ll be charged interest on the remaining amount.
  • Many of our credit cards offer perks like travel points and travel insurance.

Credit card instalment plans

  • Medium-term borrowing solution.
  • Allows you to spread the cost of large purchases (€250 or more) made with your credit card.
  • You repay the purchase amount in monthly instalments over a set period of 6, 12 or 24 months, with a variable interest rate.

Loans

  • Medium to long-term borrowing solution.
  • Allows you to borrow a lump sum of money for various purposes, such as an upcoming wedding, holiday or big purchase.
  • You repay the loan in weekly or monthly instalments over a set length of time, with a variable interest rate.

Overdrafts

  • Short-term borrowing solution.
  • Allows you to withdraw more money from your current account than you currently have.
  • If your account is overdrawn, interest is charged on the full overdrawn balance.

Find out more about your borrowing options

Personal loan

What is a personal loan?

Learn how it works and when it might be the right choice for you.

How to minimise the amount of interest on a personal loan.

Practical examples showing you how to avoid paying more interest than you need to.



Find out more about personal loans


Credit card

What is a personal credit card?

Discover how it works and when it’s appropriate to get one.

What is a personal credit card instalment plan?

Discover how it works and when you can take advantage of one.

Personal credit card Do’s and Don’ts.

Practical tips and useful nuggets for getting the most out of your credit card.




How to make your personal credit card repayments work for you.

Simple steps you can take to ensure you pay as little interest as possible.



Find out more about credit cards


Overdraft

What is a personal overdraft?

Discover how it works and when it’s appropriate to get one.

How to minimise the amount of interest on a personal overdraft.

Handy tips on the best way to use your overdraft.



Find out more about overdrafts


Credit report

What is a credit report?

Discover what it is and why yours is so important.

How to check your credit report.

Discover how it works and when you can take advantage of one.

How to manage your credit report

Useful tips to ensure your credit report is the best it can be.



Visit the Central Credit Register website

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.