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Loan Rates

Find our competitive rates and easy to follow examples below.


 

Home Improvement Loan Rates

Available loan amounts

Interest Rate (variable)

APR (variable)

Sample loan amount

Total Cost of Credit

Total amount payable over 5 years

Monthly payment amount

€10,000 - €19,999

7.9%

8.2%

€10,000

€2,136.80

€12,136.80

€202.28

€20,000 +

7.9%

8.2%

€20,000

€4,274.20

€24,274.20

€404.57

Our Home Improvement Loans have a variable rate which means that the rate, and your loan repayments, can go up or down during the term of your loan.

APR stands for Annual Percentage Rate.

 

Apply for a Home Improvement Loan

 

Personal Loan Rates

Available loan amounts

Interest Rate (variable)

APR (variable)

Sample loan amount

Total Cost of Credit

Total amount payable over 5 years

Monthly payment amount

€1,500 -
€6,999

13.4%

14.3%

€5,000

€1,887.40

€6,887.40

€114.79

€7,000 - €12,999

11.8%

12.5%

€7,500

€2,464.80

€9,964.80

€166.08

€13,000 - €19,999

10.9%

11.5%

€15,000

€4,523.40

€19,523.40

€325.39

€20,000 - €74,999.99

10%

10.5%

€20,000

€5,496.40

€25,496.40

€424.94

Our Personal Loans have a variable rate which means that the rate, and your loan repayments, can go up or down during the term of your loan.

APR stands for Annual Percentage Rate.

 

Apply for a Personal Loan

 

Car Loan Rates

How much you repay depends on the amount you borrow and your interest rate depends on the age of the car you wish to purchase. To get one of our great Car Loan Rates your car must be a 2017 registered car or newer. If your dream car is older than 2017, you can still avail of our competitive Personal Loan Rates.  

Year registered

Interest Rate (variable)

APR
(variable)

Sample loan amount

Total Cost of Credit

Total amount payable over 5 years

Monthly payment amount

2022 - 2024

8.50%

8.80%

€10,000

€2,309.60

€12,309.60

€205.16

2019 - 2021

8.90%

9.30%

€10,000

€2,425.40

€12,425.40

€207.09

2017 - 2018

9.90%

10.40%

€10,000

€2,718.20

€12,718.20

€211.97

Our Car Loans have a variable rate which means that the rate, and your loan repayments, can go up or down during the term of your loan.

APR stands for Annual Percentage Rate.

Warning: If you do not meet repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

 

Apply for a Car Loan

 

SBCI Home Energy Upgrade Loan Scheme Rates

Available loan amounts

Interest Rate (variable)

APR (variable)

Sample loan amount

Total Cost of Credit

Total amount payable over 5 years

Monthly payment amount

€5,000 - €14,999

4.55%

4.60%

€5,000

€599.20

€5,599.20

€93.32

€15,000 - €24,999

4.15%

4.20%

€15,000

€1,635.60

€16,635.60

€277.26

€25,000 - €49,999

3.85%

3.90%

€25,000

€2,523.20

€27,523.20

€458.72

€50,000 - €75,000

3.55%

3.60%

€50,000

€4,642.00

€54,642.00

€910.70

A variable rate means that your interest may change from time to time.
APR stands for Annual Percentage Rate.

 

Apply for the SBCI HEUL Scheme

Help and Support

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