Loan amount
Loan term
Bank of Ireland is regulated by the Central Bank of Ireland. Bank of Ireland have a strategy to - support our customers, strengthen their capital, continue to fund their balance sheet effectively, actively manage their credit risks and rigorously manage their cost.
6.8 - 8.9 %
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.
Fees & Charges:
If you fail to pay back the Bank repayment installment by the due date bank will charge you a default interest rate of 1 % per month (12 % per annum) on the unpaid sum. Bank will charge you a minimum of 2.54 € on a monthly basis or par of a month. The Bank of Ireland will apply the default interest rate from the date on which you were due to pay the sum until the date on which you pay it to the Bank.
Warning! If you don't pay 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!
Monday-Friday 8:00-20:00
Head Office: 40 Mespil Road, Dublin 4, Ireland.
Phone: New Applications 0818 200 334
Loans arrears support: 1850 222 200
General customer service: 0818 365 365
Benefits & Features
Salary Requirements
APR
Balance Transfer
Minimum age
Classic Credit Card
Representative example: Typical APR of 22.1% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
NB! Total amount payable depends on the loan amount, percentage, terms and individual creditworthiness.
Benefits & Features
Salary Requirements
APR
Balance Transfer
Minimum age
Affinity Credit Card
Representative example: Typical APR of 20.2% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.
NB! Total amount payable depends on the loan amount, percentage, terms and individual creditworthiness.
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