Bank of Ireland Personal Loan
Variable-rate personal loan from Bank of Ireland with borrowing from €2,000 to €75,000 and repayment terms from 1 to 5 years.
Last checked on May 12, 2026. We may earn a commission when you click through.
The Bank of Ireland Personal Loan offers flexible borrowing options with competitive variable rates, but it's best suited for high-credit applicants.
Bank of Ireland Personal Loan
Updated 5 days agoAt a Glance
Representative APR
7.1–8.9%
Loan Amount
€2,000–€75,000
Term
12–60 mo
Decision
Online applications in about 15 minutes for existing customers
You'll be redirected to personalbanking.bankofireland.com
Eligibility Requirements
About this loan
The Bank of Ireland Personal Loan offers flexible terms and competitive rates, making it a solid option for those in need of financing.
Our Verdict
The Bank of Ireland Personal Loan offers flexible borrowing options with competitive variable rates, but it's best suited for high-credit applicants.
Best For
This loan is ideal for those looking to borrow between €2,000 and €75,000 for personal projects like weddings or home improvements.
Watch Out
Potential borrowers should note that an existing Bank of Ireland current account is required for online applications.
Expert Analysis
With variable rates from 7.1% to 8.9% APR, the Bank of Ireland Personal Loan is competitive for those with a strong credit history. Graduates can access even lower rates starting at 5.0% APR for loans up to €5,000.
The application process is efficient, taking about 15 minutes for existing customers applying online. This speed is a considerable advantage for those needing quick access to funds.
Borrowers can choose repayment terms ranging from 1 to 5 years, allowing for tailored repayment plans. Moreover, there's an option to defer the first three repayments, providing additional flexibility during the initial payment period.
However, this loan is not recommended for those with lower credit scores, as it targets high-credit borrowers. Additionally, ensure you have a Bank of Ireland current account to qualify for the online application process.
For more information, visit the official site here.
You'll be redirected to personalbanking.bankofireland.com
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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