Bank of Ireland Personal Loan







  • Flexible repayments
  • Fast decision
  • Restricted early repayment
  • Restricted eligibility
About The Loan

About the Loan:

  • The total repayment amount is €5,578.92.
  • The minimum age for applicants is 18.
  • The minimum annual income is not specified.
  • The minimum loan amount is €1,000.
  • The maximum loan amount is €65,000.
  • You need to be an existing customer of Bank of Ireland to apply for this loan.
  • Rates depend on your individual circumstances and may differ from advertised APR. Over 18 years and existing Bank of Ireland current account customers only. Lending criteria, terms and conditions apply; rate is dependent on previous account performance and is not available to students. Where Applicants do not meet this criteria, our standard variable rate of 11.5% APR* will apply to online and phone applications and a variable rate of 12.8% APR to in-branch applications.


  • Unscheduled repayments are allowed. You may repay the Loan or any part of it early at any time. You do not have to pay the Bank any charge for early repayment.
  • Flexible repayment schedule. Defer your first three monthly repayments (optional, 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.
  • Early repayments are allowed. You have the option of paying back your loan early or making unscheduled, additional repayments through your branch or Internet Banking at any time with no penalty.

Loan Tiers:

The interest rate you will pay is dependent on your personal circumstances, the amount you borrow and the time period it is repaid over. The Typical APR quoted is charged to the majority of applicants, others may be offered a different rate.

Loan amount Typical APR
€1,000 - €65,000 7.50%



Personal Loan


The rate is variable, and may go up or down for the duration of the loan as general interest rates fluctuate.


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