As at April 2015 the lowest rates on personal loans are from Bank of Ireland at 12.8%. Personal bank loan rates as at April 2015 are as follow (lowest to highest): • Bank of Ireland – 12.8% • PTSB – 13% • AIB – 13% • Ulster Bank – 13.3% • KBC – 14% Example - Bank of Ireland (12.8%) On a 3 year loan of €5,000 monthly repayments would be €166.32 with the total cost of credit being €988. Credit Union may have loans at lower rates but there have been some restrictions on Credit Union loans since mid-2011. Source: www.money guideireland.com

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