Loans for All Sorts

  • It takes just 2 minutes to check your eligibility
  • Will not impact your credit score
  • Illustrative* repayments for your desired loan amount & term
  • If you’re eligible and wish to proceed, apply in less than 5 minutes!

*The illustrative interest rate (APR) is the lowest rate available for that loan amount. The loan rates quoted are available to standard loan customers only.
If you are approved for a loan, the rate offered will depend on your personal circumstances and may be higher.
Check your eligibility and apply online

Representative example

Representative 15.4% APR. Based on a loan of £4,000 over 3 years, with monthly repayments of £137.51 and total amount repayable of £4,950.25, which includes £950.25 interest at 15.4% fixed p.a..

Make sure to read our Statement of lender and borrower responsibilities. You should also read our Important Information and our Terms and Conditions before you apply.

Why choose a Bank of Ireland UK Loan?

  • Instant decision in most cases on loans from £1,000 – £40,000
    • Please note there is specific criteria for loans over £25,000. Please look at the eligibility criteria contained in the FAQs before applying
  • Fixed monthly repayments
  • No arrangement or set-up fee
  • Money in your account within 2 working days once your application is approved

You can use a loan for many purposes. These include changing your car, giving your home a makeover or consolidating existing debts.

Top 5 Frequently Asked Questions

  • What is an APR?
    APR stands for Annual Percentage Rate (APR) and is used to show what the overall cost of the money borrowed is for a year. It takes into account the annual interest rate, how frequently it is charged (daily, weekly, monthly or annually), any fees charged when setting up a loan and any other applicable costs.

    The APR makes it easy to compare different loan products across the market.

  • Who can apply for a loan up to £25,000?
    To be eligible to apply for a loan up to £25,000 you must:

    • Have been a UK resident for at least 3 years
    • Are over 21 and no older than 70 when the loan term ends
    • Have a regular income above £12,000 a year
    • Have a good credit rating without a history of County Court Judgments or bankruptcy
    • Have a UK based bank or building society account that can pay direct debits
    • Have considered how the rising cost of living will impact your household finances and are sure you can meet the repayments, as missed payments could have severe consequences on your ability to obtain future credit
    • Not be aware of, or anticipate, any changes to your income and/or outgoings during the life of the loan which could affect your ability to afford the repayments
  • Who can apply for a loan over £25,000?
    To be eligible to apply for a loan over £25,000 you must:

    • Have been a UK resident for at least 3 years
    • Be aged over 21 and no older than 70 when the loan term ends
    • Have a regular income above £20,000 a year
    • Have a good credit rating without a history of County Court Judgments or bankruptcy
    • Have a UK based bank or building society account that can pay direct debits
    • Have considered how the rising cost of living will impact your household finances and are sure you can meet the repayments, as missed payments could have severe consequences on your ability to obtain future credit
    • Not be aware of, or anticipate, any changes to your income and/or outgoings during the life of the loan which could affect your ability to afford the repayments
  • Can I pay my loan off early?
    Yes, you can settle your agreement early in full or in part, at any time.

    If you wish to pay off your loan in full you will first need to request a settlement quotation. We may charge up to 58 days interest if you pay off your loan in full early. You can get a quotation by calling us on 0345 600 2703 or you can write to us at; Bank of Ireland UK Loans, PO Box 303, Lowton Way, Sheffield, S98 1SY. To make a partial settlement you can call us to make a debit card payment. As a result of any repayment we reduce the term of your agreement unless you request otherwise.

    For more information about how early repayments work and how the rebate is calculated follow the link below.

    Early Settlements – Important Information

  • How can I contact you about my application / loan?
    You can contact us to discuss any queries you have about your loan on 0345 600 2703. We are open Monday to Friday, 8am – 7pm and Saturday, 8am – 2pm. Please note we are closed on Sundays and bank holidays. Calls may be recorded for training and monitoring purposes.

    Alternatively, you can write to us at; Bank of Ireland UK Loans, PO Box 305, Sheffield, S98 1SZ.

    For our full range of FAQs please click here.