Whatever you’re dreaming of doing with your home – whether it’s a new kitchen or a top-to-bottom upgrade – if you’re already a customer of ours, we can approve your loan quickly.
Home improvement loans
To borrow between €1,000 and €30,000, online applications take a few minutes, and you can get a decision within three hours.
For joint applications or to borrow between €30,000 and €50,000, run the numbers through our calculator and ask for a call back
To borrow between €50,000 and €75,000, call us on 1 211 8658.
Loan terms from one to five years, or up to 10 years for some home improvement loans.
Set your own repayment schedule: weekly, fortnightly or monthly. You can take one month off repayments a year – just let us know when at the time of loan application. This repayment option may affect the amount and/or term of the loan. There are no penalties if you ever decide to make an extra repayment or repay your loan earlier than planned.
Thinking of going green?
Are you doing green upgrades as part of your home renovation? If you want to buy things like solar panels or energy-efficient heating controls, then you can get a lower interest rate with our new green personal loan at 6.40% APR (Annual Percentage Rate).
To borrow between €3,000 and €30,000, apply through the WB app. You will need to show proof that 50% or more of the loan amount will be spent on going green.
8 Hour Online Loan Approval
Yes – when you apply online for loans less than €30,000, we really can turn it around this quickly. If you’re a customer with us, we already know a little bit about you, which makes it very straightforward for us to decide how much you can borrow.
So, providing you apply telling us everything we need to know between Monday to Friday and between 9:00 and 17:00 (excluding bank holidays), we can let you know our decision within three hours.
Once we approve your loan and you request your money, we will put the money into your WB Current Account immediately.
Understanding our rates
Our personal loan interest rates at 8.65% and 8.95% APR (Annual Percentage Rate) are some of the most competitive and consistent on the market, but they are variable. If your rate changes, your repayment amounts stay the same. So, if the rate rises during the loan term, you will have to make extra payments at the end of the term, and if the rate falls, you might pay off your loan sooner.
A representative example for you on a home improvement loan:
A typical €10,000 five-year loan with a variable interest rate of 8.65% and 8.95% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 60 monthly instalments of €205.69 and the total cost of credit (the total amount repayable less the amount of the loan) is €2,341.4
A representative example for you on a green personal loan:
A typical €10,000 five-year green loan with a variable interest rate of 6.25% and 6.40% APR (Annual Percentage Rate), where the interest rate and APR does not vary during the term, has 60 monthly instalments of €194.41 and the total cost of credit (the total amount repayable less the amount of the loan) is €1,664.60.