Personal Loans

Loans for All Sorts

We’re not taking any new applications.

If you already have a loan with us
Don’t worry, nothing will change. You don’t need to take any action.

Getting in touch
If you’ve got any questions or need help, we’re here for you. To find out how to contact us click here.

Contact Us

Here are the ways you can get in touch.

Loans or applications since 5 November 2019

Reason for contacting usHow you can get in touchHow to reach us
Ask a question / General enquiriesPhone 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 backPhone 0800 169 2023
Make a payment on your outstanding arrearsOnline 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 usHow you can get in touchHow to reach us
Ask a question / General enquiriesPhone 0800 917 0926
Talk about money problemsPhone 0800 917 0926
Pay off your loan earlyOnline https://www.northridge365.com/CustomerSettlement/settlement
See how much you need to pay to close your loanOnline https://www.northridge365.com/CustomerSettlement/settlement
Make an extra paymentOnline https://www.northridgefinance.com/customer-tool-kit/make-a-payment/
Pay a missed paymentOnline 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 Finance
5th Floor
Bank of Ireland
Donegall Square South
Belfast
BT1 5LR

FAQs

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.

 

  • 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.

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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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