Personal Loans
Loans from €1000 approved in 3 hours
How to Apply
It’s never been easier to apply for a SpinBank personal loan. You can use our online loan calculator below which only takes a couple of minutes to complete. You can also call our loans team if you have any questions or call into your local branch.
Before Applying
Apply online, in branch or by phone. Reach to the people at your branch for personal loans over €30,000.
Loan Terms
Loans terms from 1 to 5 years. We will consider personal loans for home improvement for terms up to 10 years.
After Applying
Once we have assessed your application we will contact you with a decision and advise on next steps to follow.
How much can you borrow?
What you need to know about your personal loan
Borrowing Capacity
The amount you can borrow is based on your capacity to make regular repayments. It’s important not to overstretch your payments and to consider the possibility of unexpected expenses.
Interest Rate
The interest rate on our personal loans is variable and may change. However, your repayments stay the same, so if interest rates rise during the loan term, you will have to make some extra payments at the end of the term. If the rate on your loan falls, you may pay off your loan earlier. You can pay back your loan early or making unscheduled, additional repayments through your branch or Internet Banking at any time with no penalty.
Help and Guidance
About our Loans
General Information about our personal loans.
Personal Lending Interest Rates
These are the rates we charge.
Help Centre
For service please visit our Help Centre.
Warning
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.
Other Information
Regarding our Annual Percentage Rate (APR)
Lending criteria
Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. A typical €1,500 one year loan with a variable interest rate of 8.65% and 8.95% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €130.48 and the total cost of credit (the total amount repayable less the amount of the loan) would be €65.76.
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