Make your plans happen with flexible and reliable financing.
Bank of Ireland Personal Loan – Up to €75,000 with no fees and fast online approval
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Looking for a way to fund your goals without hassle? With fast approval, no arrangement fees, and loans up to €75,000, this option offers the flexibility you need to stay in control. Whether it’s a wedding, home upgrade or something personal, it's all within reach.
Looking for a way to fund your goals without hassle? With fast approval, no arrangement fees, and loans up to €75,000, this option offers the flexibility you need to stay in control. Whether it’s a wedding, home upgrade or something personal, it's all within reach.
How a Bank of Ireland Personal Loan Made It All Possible
Like many others, Sarah found a solution for her dreams with a Bank of Ireland Personal Loan. It could be just what you need too.
For years, Sarah had dreamed of giving her old kitchen a fresh start—a bright, open space where she could cook for her family and host friends with pride. But life kept getting in the way, and saving up felt impossible.
Then she found the Bank of Ireland Personal Loan. With €20,000 approved at a 7.1% APR, her dream no longer had to wait. She finally had a realistic, affordable way to bring her vision to life—without stress or delays.
Using the online loan calculator, she quickly understood her repayments. In just 15 minutes, her application was submitted via 365 online. It felt like the first real step toward something she’d wanted for so long.
Three days later, she got the call—approved. Sarah chose to defer her first three payments, which gave her breathing room to start the renovation calmly and on her terms.
She felt empowered by the clarity of the process—no hidden fees, no pressure, just a supportive experience. The ability to make extra repayments whenever she could was another weight off her shoulders.
Now, every morning as she makes coffee in her beautiful, renovated kitchen, Sarah feels proud — it’s a reminder that she took control of her future. Like Sarah, you too can make your goals a reality with a Bank of Ireland Personal Loan.
Still have questions? Feel free to explore the FAQs below for more clarity on the Bank of Ireland Personal Loan.
You can contact the Bank of Ireland loans team by calling 0818 200 334, Monday to Friday from 9am to 5pm. They’ll guide you through the loan process and answer any questions you may have.
To get in touch with the Bank of Ireland personal loan contact service, log in to 365 online and send a secure message under "Services," or call the team directly. Support is also available at your local branch.
Yes, applying for a loan online is safe and efficient for existing customers. The application takes around 15 minutes through 365 online, and you’ll typically receive an update within 24 hours.
Absolutely. A personal loan is often a better choice than a credit card for larger expenses, thanks to lower interest rates, fixed repayment terms, and more predictable monthly payments.
Yes, the Bank of Ireland personal loan is one of the most flexible options available in Ireland, offering repayment terms up to 5 years and no fees for early repayment on variable rate loans.
If you're not currently a Bank of Ireland customer, you cannot apply online. Instead, you need to call the loans team at 0818 200 334, available Monday to Friday from 9am to 5pm. A lending advisor will guide you through the process, and you may be asked to provide additional documents. While loan updates are usually provided within 24 hours, approvals for new customers may take a few business days depending on your financial profile and the loan’s purpose.
You can borrow between €2,000 and €75,000, depending on your financial profile and intended loan purpose. Larger amounts may offer lower APRs, starting at 7.1% for loans over €20,000.
If you're an existing current account holder registered for 365 online, you can apply in just 15 minutes. You’ll usually receive an update on your application within 24 hours.
There are no penalty fees for early repayment on variable rate loans. However, fixed rate loans may have charges for early repayment depending on terms.
Before applying for any loan, it’s essential to understand the full terms, repayment expectations, and how the offer aligns with your current financial situation and goals.
Taking time to compare rates, fees, and application methods helps ensure you’re choosing a solution that fits your lifestyle — not just your immediate needs.
Responsible borrowing starts with research. So, knowing what to expect from the loan and from the lender protects your budget and your peace of mind in the long run.
For complete details, including eligibility, rates, and application options, we encourage you to visit the official Bank of Ireland website and explore the loan section directly.
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