Loans for All Sorts

Why choose a Bank of Ireland Loan?

  • Instant decision in most cases on loans from £1,000 - £40,000 
  • Fixed monthly repayments
  • No arrangement or set-up fee
  • Money in your account within 2 working days once your application is approved

Check your eligibility without impacting your credit score

It takes just a few minutes to calculate repayments and check your eligibility! To do this, and apply online click below.


Please note that all repayment options quoted are based on the illustrative interest rate (APR), which 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. The loan rates quoted are available to standard loan customers only.

Representative example

Representative 14.9% APR. Based on a loan of £4,000 over 3 years, with monthly repayments of £136.65 and total amount repayable of £4,919.47, which includes £919.47 interest at 14.9% fixed p.a..

Important: The interest rate you’re offered will depend on your personal circumstances – including your credit rating. The maximum APR you could receive is 29.9%.

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.


What you could use our loans for:


Want to buy a car?

A black and white dog sitting in an open car boot looking toward the horizon.
Explore new horizons with personal car loans

Our loans can help you buy your first car or upgrade your current car.

Is it time to give your home a makeover?

A couple sitting on the floor against a half painted wall.
Renovate your home with a personal loan

Whether it’s a new kitchen, bathroom or something else, our loans come with fixed repayments. This allows you to get that project off the ground and stay in control of your finances.

Getting married?

A frontal portrait of a smiling bride holding a bouquet.
Personal loans for your perfect wedding

Whatever type of wedding you’re planning, you’ll want everything to be just right. Our personal loan could help you spread the cost with fixed monthly payments and a low rate.


The details

  • 14.9% APR Representative (fixed) for loans between £1,000 and £40,000
  • Borrow between £1,000 and £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
  • Instant decision in most cases
  • No arrangement or set-up fees