Bank of Ireland Loan

435 reviews

Representative 6.8% APR

Will lend between: £1,000 - £25,000

Over: 12 - 60 Months

Representative example: If you borrow £20,000 over 60 months at a Representative rate of 6.8% APR and an annual interest rate of 6.6% (variable), you would pay 60 monthly installments of £391.92. The total charge for credit will be £3,515.20 and the total amount payable will be £23,515.20

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  • Quick 40 second form.
  • No impact on your credit file.
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Bank of Ireland Loan customer reviews.

435 reviews

1.3 out of 5 stars


  • Two repayment holidays each year whilst you repay the loan
  • Low rates on borrowing regardless of whether you're in Ireland or on the mainland UK
  • Irish bank that lends to those on the mainland of the UK too
  • You can get a quote on the Bank of Ireland website without it affecting your credit rating

Minimum criteria

  • You will need a good credit history to apply to Bank of Ireland
  • You need to have held a Bank of Ireland current account for six months prior to applying
  • Payment holidays will need to be selected before you get your loan


  • Maximum APR 8.9%
  • Arrangement fee: £65
  • Early repayment fee: £0
  • Late payment fee: £0

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About Bank of Ireland Loan

Bank of Ireland offers personal loans between the amounts of £1,000 and £25,000. You will qualify for a loan with the Bank of Ireland if you live on the mainland UK, but you must have held an account with them for at least six months and have a good history before you can apply. You can apply online or over the phone.

To apply, simply complete their online application form, which will be reviewed by a caseworker who will contact you within two working days. If your loan application is accepted, they will send you a credit agreement which must be signed and posted back to them. A final assessment will be done to check that you've completed the agreement properly and once approved, your loan will be deposited into your account within 3 to 5 working days. Bank of Ireland loans come with the option of two repayment holidays each year, which can help ease times of financial burden such as Christmas or holidays .

Company information

Registration number: 7022885

08000 850 444

Bow Bells House, 1 Bread Street, London, EC4M 9BE

FCA registration

Reference No: 512956

Trading names: Bank of Ireland

Place of business: Bow Bells House, 1 Bread Street, London EC4M 9BE

Data protection registration

Registration No: Z2076174

Data controller: Bank of Ireland (UK) PLC

Address: Bow Bells House, 1 Bread Street, London EC4M 9BE

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