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Personal Loans

Personal loans are listed in order of APR - cheapest first. Our Credit Finding Services are free. We may be paid a commission by lenders who provide credit to you as a result of you using our services.

Personal loans can help spread the cost of a large purchase over a number of years. If you are certain that you can repay the loan in full and on time, then a personal loan can often be the cheapest way to make a one-off purchase such as a car or holiday.

CAR FINANCE Looking to purchase a new car? Check out our dedicated car finance page.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Bank of Ireland Personal Loan - 6.8% to 8.9% APR Representative

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Find out more & apply online now
  • No Application or Arrangement Fee
  • €300 Minimum Loan Amount
  • €65000 Maximum Loan Amount
  • Terms from 12 mths to 60 mths
  • Interest rates start from 6.8% APR
  • Maximum APR of 8.9%

Bank of Ireland offer personal loans at some of the lowest rates available in Ireland. Payments can be deferred for the first three months of the loan term with a payment holiday. You can also repay the loan early with no penalties if you wish. This flexibility, along with a quick and straightforward application process, makes the Bank of Ireland personal loan offering very attractive. You can take a Bank of Ireland loan for any purpose for up to 5 years, but if you are borrowing for home improvements, this can be extended to 8 years. For those not eligible for the low 6.8% APR, you may be offered a higher rate. Make sure you apply online or by phone to get the best rates, as higher APR's are offered in branch.

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Bank of Ireland Personal Loan REPRESENTATIVE EXAMPLE

Representative 6.8% APR. The repayments on a personal loan of €20,000 over 5 years are €391.92 per month based on a variable rate of 6.8% APR. The total cost of credit is €3,515.20

Bank of Ireland Car Loan - 6.8% to 8.9% APR Representative

APPLY TODAY
Find out more & apply online now
  • No Application or Arrangement Fee
  • €300 Minimum Loan Amount
  • €65000 Maximum Loan Amount
  • Terms from 12 mths to 60 mths
  • Interest rates start from 6.8% APR
  • Maximum APR of 8.9%

With a Bank of Ireland Car Loan you can get the finance in place before you choose your vehicle. This will usually mean you can get a better deal when visiting the dealership. As like most Bank of Ireland loans, you will be able to defer the first three months payments and even repay early with no penalty. Borrow up to €65,000 and repay over a period that suits you from 12 – 60 months.

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Bank of Ireland Car Loan REPRESENTATIVE EXAMPLE

Representative 6.8% APR. The repayments on a personal loan of €20,000 over 5 years are €391.92 per month based on a variable rate of 6.8% APR. The total cost of credit is €3,515.20

Bank of Ireland business loan - 5.76% to 6.76% APR Representative

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Find out more & apply online now
  • No Application or Arrangement Fee
  • €1000 Minimum Loan Amount
  • €120000 Maximum Loan Amount
  • Terms from 12 mths to 60 mths
  • Interest rates start from 5.76% APR for secured loans
  • Interest rates start from 6.76% APR for unsecured loans

According to the Central Bank, more Irish businesses borrow from the Bank of Ireland than any other lender with over 8 out of 10 business loans approved every week. They have a simplified loan application process, so you can apply online and receive a decision in minutes. For small businesses, their standard rate for unsecured loans up to €65,000 is 6.76% variable. Lower rates may be available where security is provided. Borrow up to €120,000 with a repayment period up to 5 years.

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Bank of Ireland business loan REPRESENTATIVE EXAMPLE

Representative 6.7% APR. The repayments on a personal loan of €25,000 over 5 years are €409.11 per month based on a variable rate of 6.7% APR. The total cost of credit is €4,455.64

Bank of Ireland Student Loan - 1% APR Representative

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Find out more & apply online now
  • No Application or Arrangement Fee
  • €300 Minimum Loan Amount
  • €1000 Maximum Loan Amount
  • Terms from 3 mths to 12 mths
  • Pay only 1% APR
  • Loan can be deferred up to 3 months

The 1% APR student loan is a multi-purpose loan for students. It is available throughout the year to fund expenses such as travel, living expenses, general back to college expenses. Third level students can avail of up to 3 months deferred start and the loan must be repaid within 12 months. Borrow between €300 and €1000.

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Bank of Ireland Student Loan REPRESENTATIVE EXAMPLE

The repayments on a student loan of €1,000 over a 12 month period deferring the first 3 months are €111.85 per month (over 9 months) based on a variable rate of 1% APR. The total cost of credit is €6.65

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