Bank of Ireland loan calculator | Estimate monthly and overall costs

Bank of Ireland (UK) loan calculator and 2021 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.

Updated . What changed?

Fact checked
Bank of Ireland UK

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

Name Product Total Payable Monthly Repayment Representative APR Link
Bank of Ireland UK Online Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
loading

Compare up to 4 providers

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
Lending Works Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 8.7% p.a. (fixed) with an application fee of £0.00. Representative APR 13.5% and total payable £12,083.04 in monthly repayments of £335.64.
Bank of Ireland UK Online Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.4% p.a. (fixed). Representative APR 3.4% and total payable £10,524.24 in monthly repayments of £292.34.
Hitachi Personal Finance Hitachi Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.5% p.a. (fixed). Representative APR 3.5% and total payable £10,539.72 in monthly repayments of £292.77.
Lloyds Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.9% p.a. (fixed). Representative APR 3.9% and total payable £10,601.64 in monthly repayments of £294.49.
Barclays Bank Existing Current Account Customer Barclayloan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 5.5% p.a. (fixed). Representative APR 5.5% and total payable £10,848.60 in monthly repayments of £301.35.
Zopa Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 5 years at a rate of 8.8% p.a. (fixed) with an application fee of £240.00. Representative APR 9.9% and total payable £12,602.87 in monthly repayments of £210.05.
My Community Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 23.9% p.a. (fixed). Representative APR 23.9% and total payable £13,678.20 in monthly repayments of £379.95.
loading

Compare up to 4 providers

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 3.4% APR representative on loans between £7,500 and £15,000. 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 £25,000.

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 takes usually 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.

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.

More guides on Finder

  • Bank of Ireland UK Queens Affinity Card review

    Take a look at this fee-free credit card that allows you to support Queen’s University in Belfast every time you make a purchase. Here’s how it works.

  • review

    When you get this credit card, Bank of Ireland will make a donation to your favourite rugby team. Here’s how it works.

  • review

    Take advantage of an introductory interest-free offer plus ongoing interest-free days each billing cycle.

  • review

    This dual-purpose deal from Bank of Ireland UK could let you take a break from interest payments on existing card debt and spread the cost of upcoming expenditure.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site