Personal loans


Personal loans

Whatever you’re dreaming of doing – whether it’s a new kitchen, a car or a holiday – if you’re already a customer of ours, we can approve your loan quickly.

Here’s what you need to know


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 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.

How our loans work

We want you to have all the information you need to borrow confidently. Here are a few points to consider.

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:

A typical €1,500 one-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 12 monthly instalments of €130.48 and the total cost of credit (the total amount repayable less the amount of the loan) is €65.76.


If you do not meet the 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.