Personal Loans
On the 30 October 2024, we announced the sale of some of our unsecured personal loans.
There is no change to your terms and conditions and no action is required to be taken at this time. We’ll get in touch with customers whose loans are included in the sale in due course.
If you have a loan with us please continue to make your repayments, there is no change to your terms and conditions and no action is needed to be taken at this time.
Please read the FAQs section for more details.
Contact Us
Here are the ways you can get in touch.
Loans or applications since 5 November 2019
| Reason for contacting us | How you can get in touch | How to reach us |
|---|---|---|
| Ask a question / General enquiries | Phone | 0345 600 2703 |
| Make a complaint |
Phone Online | 0800 169 2024 https://www.bankofirelanduk.com/help-and-support/how-to-complain/your-complaint/ |
| Talk about money problems or to tell us that you have missed payments (in arrears) and can’t pay them back | Phone | 0800 169 2023 |
| Make a payment on your outstanding arrears | Online | https://loanpayment.bankofirelanduk.com/ |
Have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
We are available to talk on weekdays from 8am to 7pm and on Saturdays from 8am to 2pm. We are closed on Sundays and Bank Holidays.
Older loans (taken out before 5 November 2019)
These loans were given by a company called NIIB Group Limited, trading as Northridge Finance.
| Reason for contacting us | How you can get in touch | How to reach us |
|---|---|---|
| Ask a question / General enquiries | Phone | 0800 917 0923 |
| Talk about money problems | Phone | 0800 917 0923 |
| Pay off your loan early | Online | https://www.northridge365.com/CustomerSettlement/settlement |
| See how much you need to pay to close your loan | Online | https://www.northridge365.com/CustomerSettlement/settlement |
| Make an extra payment | Online | https://www.northridgefinance.com/customer-tool-kit/make-a-payment/ |
| Pay a missed payment | Online | https://www.northridgefinance.com/customer-tool-kit/make-a-payment/ |
For these loans, we are available to talk on weekdays from 9am to 5pm. We are closed on Bank Holidays. You can also write to us at the address below.
Northridge Finance5th Floor
Bank of Ireland
Donegall Square South
Belfast
BT1 5LR
FAQs
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Who has my loan been sold to?
Your loan has been sold to Link Financial Outsourcing Ltd (Link). It will now be under the name Link Financial Outsourcing Ltd or one of their subsidiaries Antelope Loans.
Your letter will tell you which company will be managing your loan going forward.
They are an experienced loan administrator and have been carefully chosen to manage your loan account with care and efficiency.
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I don’t want my account to be sold. Can I opt out?
Unfortunately, it is not possible for a customer to opt in or out of the sale. The transfer of your loan is allowed as set out in your terms and conditions. There is no change to your loan because of the sale. However, if you are still unhappy you can call us on 0345 608 1245 to make a complaint.
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What will happen to my Direct Debit Payments?
If you pay by Direct Debit, it’ll transfer automatically to your new provider. You don’t need to do anything.
If you pay another way, you can call us on 0345 608 1245 to set up a Direct Debit. You will also be given information on other ways you can make your payment in the welcome pack.
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What will happen if I can’t make my monthly payments after it is transferred?
Your new provider will be able to help you if you are struggling to make payments after your account is transferred. They will provide you with contact details once your account is transferred. If you are struggling to make payments now, please contact us on 0345 608 1245. We’re here to help.
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What will happen to my Personal Data?
Protecting your personal data is important to us. We’ll ensure your data is safely transferred to the new provider as part of the sale. You can find more information in our Privacy Notice on our website.
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I have paid off my loan. What does this mean for me?
If you’ve paid off your loan and have got a letter telling you about the sale, this means your account was open at the time the sale was agreed. You don’t need to do anything, and your loan remains closed. After 16th May, your account details will be transferred to the new provider who will be able to help you with any queries about your closed loan.
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I have an early settlement quote. What happens to it?
Early settlement quotes are valid for 30 days. If you have asked for an early settlement quote from us before your account is transferred, we will honour that quote for 30 days from the date you asked for it. This means your early settlement quote will be the same as the amount you have to pay to clear your balance.
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I have an outstanding complaint with Bank of Ireland. What will happen to my complaint?
Your complaint will not be impacted by the sale. If your complaint has not been resolved by the time your loan is transferred, we will continue to explore all options to resolve your complaint.
This commitment extends to any complaints being adjudicated by the Financial Ombudsman Service.
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I haven’t received any communication about my loan, is it impacted?
If your account is included in the sale, you should receive a letter from us between the end of March and end of April providing you with the details of the sale. This will be sent to the address we have for you at the time the letter was printed.
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What is an APR?
APR stands for Annual Percentage Rate (APR). It is used to show the overall cost of borrowing the money over a year. It takes into account the annual interest rate, how often interest is charged and any extra fees or costs. The APR makes it easy to compare and shop around.
The higher the APR, the more money you have to pay back overall.
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What is a representative APR?
A representative APR means at least 51% of the people who applied for the loan would get the loan at the advertised representative APR (or an even lower APR). But remember, the actual APR you would have recieved depended on your specific circumstances.
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What is an Illustrative APR?
An Illustrative APR was another way to show how much a loan might cost you. The Illustrative APR was the lowest APR available for your chosen loan amount and term. The actual APR you received may have been different as it was based on your personal situation.
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How are repayments made?
Your monthly payment is collected by direct debit. This means the money will be automatically taken from the bank account you chose when you applied.
If you want to change your direct debit details, or pay off all or some of your loan, please call us on 0345 600 2703.
Please have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
- Can I borrow more money and add it to my loan?
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Can I change the date my repayments are made?
Yes. To change your repayment date simply call us on 0345 600 2703 and let us know which day of the month is best for you.
Have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
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How do I make my monthly repayments?
We require you to make your monthly repayments by direct debit, unless we agree otherwise. Your direct debit is collected from the bank/building society you gave during your application.
If you want to change the bank account from which your repayments are paid please contact us on 0345 600 2703.
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What if I can’t make repayments?
If you're having trouble making your loan payments, don't worry. We're here to help. Just call us on 0800 169 2023, and we'll explain the options you have.
If you're behind on your payments and can't pay what you agreed, please call us on 0800 169 2023. If you want to make a payment to catch up on what you owe, you can do so on our payment page.
In both cases please have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
There are other organisations that can give you confidential and free advice. They can help you with your money. You can find more information on our Help and Guidance page. If you're already getting help from another organisation, let us know, and we can work with them directly.
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Can I take a payment break?
No, you can't take a break from making payments with the Bank of Ireland UK Loan. But if you're having trouble paying, don't worry. We want to help you. Just call us on 0800 169 2023, and we'll assist you.
Please have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
There are also organisations that can give you free and private advice. They can help you with your money. You can find more information on our Help and Guidance page.
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What should I do if I need to change my personal details?
If you need to change any of your personal details, please call us on 0345 600 2703.
Have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
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Can I pay my loan off early?
Yes, you can pay off your loan before it's due. If you want to do that, you need to ask for a document called a settlement quotation. We may charge up to 58 days of interest if you pay off your loan early.
Learn more about how early repayments work and how the quote is calculated.
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How do I find out my outstanding loan balance?
If you want to find out the outstanding balance of your loan account, simply call us on 0345 600 2703.
Have your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
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What format can I receive my loan documentation in?
We can provide documentation in braille, large print or audio on request. If you require documentation in any of these formats, please call us on 0345 600 2703. Alternatively, you can write to us at:
Bank of Ireland UK Loans
PO Box 305
Sheffield
S98 1SZHave your Loan Agreement Number handy. This will help us deal with your call more quickly. The number you need is 19 digits long and starts with 0007293. You can find it on any email, letter, or statement we’ve sent you.
Useful Information
Your Bank of Ireland UK loan agreement explained
Your Bank of Ireland UK Loan Agreement follows some important rules to keep you safe.
There are two relevant laws called the Financial Services and Markets Act 2000 and the Consumer Credit Act 1974. These laws help protect you and give you rights.
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Money Guides
We want to make sure that managing your money is as simple as possible. That’s why we have written some guides to help you in your everyday life, and when things aren’t going quite as you’d planned.
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Avoiding Scams
It’s important to be aware of online scams. People might try to make you take out a personal loan and give them the money.
It’s important to remember that you should only take a loan for yourself, not for others.
If someone asks you to take a loan to invest in something or give to someone else, it could be a scam. They might be trying to take advantage of you.
To protect yourself, there are some websites that can help.
- Take Five – Advice about online scams and fraud
- MoneyHelper – Free guidance from the Government
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High Risk Investments & Gambling
Be careful with risky investments like cryptocurrencies or stocks. They can make you lose your money.
Our Personal Loans cannot be used for investing in cryptocurrencies, stocks or similar. This is because their value can change a lot, and people often end up losing their money.
If you’re having trouble with gambling or trading too much, you can get help from GamCare. They give advice and support to people who are struggling with their money.
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How credit scoring works
Credit scoring is a way to measure how risky it would be to give someone a loan. We look at the information you tell us, our rules for lending, and information from other places such as Credit Reference and Fraud Prevention agencies.
Each piece of information gets a score or number. When we add up all the scores, we get a final number. If the number is high enough, we usually say yes to the loan. If it's not high enough, we might say no.
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Why credit scoring is used
Credit scoring is important because it helps us be fair and make good choices. It’s very important that you do not borrow more money than you really need or overstretch yourself. Anyone who borrows money might be a risk, so we need to understand how big that risk could be. If we decide giving you a loan is too risky, we won't do it.
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Getting more information
Before you try again, it's good to look at your credit file. The places we check are called Experian Ltd and TransUnion International. We also use CIFAS to check for fraud. You can also find some helpful information at MoneyHelper.
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Money Guides
We want to make sure that managing your money is as simple as possible. That’s why we have written some guides to help you in your everyday life, and when things aren’t going quite as you’d planned.
-
Avoiding Scams
It’s important to be aware of online scams. People might try to make you take out a personal loan and give them the money.
It’s important to remember that you should only take a loan for yourself, not for others.
If someone asks you to take a loan to invest in something or give to someone else, it could be a scam. They might be trying to take advantage of you.
To protect yourself, there are some websites that can help.
- Take Five – Advice about online scams and fraud
- MoneyHelper – Free guidance from the Government
-
High Risk Investments & Gambling
Be careful with risky investments like cryptocurrencies or stocks. They can make you lose your money.
Our Personal Loans cannot be used for investing in cryptocurrencies, stocks or similar. This is because their value can change a lot, and people often end up losing their money.
If you’re having trouble with gambling or trading too much, you can get help from GamCare. They give advice and support to people who are struggling with their money.