Bank of Ireland UK

Bank of Ireland (UK) loan calculator and 2023 review

Our Bank of Ireland loan calculator will help you work out how much you'll pay back on a Bank of Ireland personal loan, and how it compares.

Bank of Ireland (UK) personal loans are provided by NIIB Group Limited. You can apply online or over the phone, and Bank of Ireland promises a quick decision in most cases.

Calculate the cost of a Bank of Ireland loan

1 - 1 of 1
Name Product Total Payable Monthly Repayment Representative APR Link
Bank of Ireland UK Online Personal Loan
View details
Representative example: Borrow £15,000.00 over 3 years at a rate of 5.0% p.a. (fixed). Representative APR 5.0% and total payable £16,157.16 in monthly repayments of £448.81.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

How do Bank of Ireland loans compare against the competition?

Table: sorted by representative APR, promoted deals first

Before you take out a personal loan, it’s smart to read up and shop around. You can use the table below to see how much you’d be likely to pay for the loan you have in mind.

Name Product Total Payable Monthly Repayment Representative APR Link
Fluro (formerly Lending Works) Personal Loan
Check eligibility
View details
Representative Example: Assumed borrowing of £7,500.00 over 48 months at 16.9% APR representative. Monthly cost of £211.47. Total amount repayable of £10,150.38. Interest rate of 15.7% p.a.(fixed) and total fees of £150.00.
Bank of Ireland UK Online Personal Loan
View details
Representative example: Borrow £15,000.00 over 3 years at a rate of 5.0% p.a. (fixed). Representative APR 5.0% and total payable £16,157.16 in monthly repayments of £448.81.
Novuna Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 5.9% p.a. (fixed). Representative APR 5.9% and total payable £10,910.52 in monthly repayments of £303.07.
Lloyds Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 5.9% p.a. (fixed). Representative APR 5.9% and total payable £10,910.52 in monthly repayments of £303.07.
Barclays Bank Existing Current Account Customer Barclayloan
View details
Representative example: Borrow £25,100.00 over 3 years at a rate of 13.1% p.a. (fixed). Representative APR 13.1% and total payable £30,173.76 in monthly repayments of £838.16.
Zopa Personal Loan
View details
Representative example: Borrow £1,500.00 over 3 years at a rate of 19.9% p.a. (fixed). Representative APR 19.9% and total payable £1,959.84 in monthly repayments of £54.44.
My Community Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £6,000.00 over 4 years at a rate of 18.85% p.a. (fixed). Representative APR 18.85% and total payable £8,335.00 in monthly repayments of £173.64.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Bank of Ireland UK loan rates at a glance

The Bank of Ireland UK Online Personal Loan charges 5.5% APR representative on loans between £15,000 and £25,000. Bank of Ireland UK offers the loan with repayment terms between 1 and 7 years and applicants can apply to borrow from £1,000 to £40,000.

Overview of Bank of Ireland UK loans

Loan typeUnsecured Personal Loan
Loan amounts£1,000.00 to £25,000.00
Loan terms6 Months to 5 Years
Loan rate typeFixed
Product fee0%
Same day funding available
Instant decisions in most cases
Soft-search facility available
Joint applications
Overpay without penalty
Concurrent loans allowed
Topping-up pays off existing loan and initiates a new loan
Repayment methodsDirect Debit

How to apply

If you've decided that a personal loan from is right for you, you can head over to 's website to apply. Completing the secure online application form usually takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

Bank of Ireland customer reviews

Bank of Ireland has received negative reviews from customers, according to review platform Trustpilot. It currently has a rating of 1.3 out of 5, based on more than 405 reviews (updated June 2022). Customers cited issues with using the app and poor customer service.

Will you be approved?

Check your personalised rates and likelihood of acceptance.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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