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Thinking of buying a new car? Need to carry out home improvements? Looking for your dream boat, longing for a much-needed holiday, or simply looking for a flexible loan to cater for your personal requirements?
A BOV Personal Loan 1 is all you need to fulfil your dreams.
The BOV Personal Loan can be shaped to suit your needs, providing affordable, customised solutions designed to satisfy your purchase requirements.
The amount you can borrow
The BOV Personal Loan requires no security 2. You can borrow any amount from €600 to €60,000. Whilst the loan is repayable by monthly instalments, the amount you pay each month is determined by the sum you borrow, the selected term and the applicable rate of interest.
Repaying your loan
We can organise a loan that is right for you, with a repayment programme that is flexible to suit your income and monthly budget. Best of all, you'll get an approval on your loan, fast.
Repayments generally span up to a maximum period of 5 years 3. Longer periods may be considered by the Bank. The loan will be repaid by monthly instalments which will be inclusive of interest. If you decide to repay the loan before the stipulated term, whether in one lump sum or by increasing your monthly instalments, no penalties or additional fees apply.
Our flexible repayment options offers you the choice on an 11-month repayment programme which will allow you to budget for that month of the year when finances can be particularly tight, such as the Christmas period. Alternatively, the BOV Personal Loan offers you the possibility of a 3-month break 4 in repayments at any one point during the term of the loan, to cater for any unforeseen circumstance that might arise.
Processing Fees
The BOV Personal Loan is subject to a one-time processing fee. There are no hidden fees and no extra costs. However, for additional facilities, normal banking fees will apply.
Making it happen
Applying for a BOV Personal Loan has never been easier. If you are over 18 years of age and in regular full-time employment, simply apply online or contact your nearest BOV branch to discuss your personal loan requirements with our staff.
When you visit us it would be useful to have:
- Your I.D. Card
- Evidence of income - FS3 or Profit & Loss Account together with the Inland Revenue income and self-assessment form submitted to the Inland Revenue
Alternatively you can call our Customer Service Centre on 2131 2020, between Mondays and Saturdays, from 8.00am to 8.00pm (excluding Bank and Public Holidays), for an immediate reply to your BOV Personal Loan request.
Terms & Conditions
IMPORTANT – PLEASE READ CAREFULLY
(1) All Personal Loans are subject to normal bank lending criteria and final approval from your BOV branch. Terms and Conditions apply. As much as we’d like to, it is not always possible to approve every personal loan application. Where applications are outside our normal bank lending criteria, we may decline a loan application.
(2) If all lending criteria are satisfied.
(3) The term of the loan must not go beyond retirement age.
(4) The three month break is granted only once, at the Bank’s discretion and each request is decided upon its own merits.
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