It can take a lot of time and effort to build up savings, so we understand you might be reluctant to use these while leaving no reserve for any future unexpected expenses.
So if you don't want to dip into your hard earned savings, but want to purchase a new car, or if you are considering improving your home, you can now make it happen and keep your savings.
If you wish to leave your savings untouched and available for future needs, our Cash Secured Loan is a cost effective way to access funds.
How much you repay depends on how much you borrow – take a look at our competitive rates below to see what your monthly repayments would be.
Your interest rate will depend on the percentage of your loan you want to secure. The greater the level of security you provide, the lower the interest rate will be.
Our Cash Secured Loans have a variable rate which means that the rate can change from time to time under this credit agreement and your loan repayments could go up or down during the term of your loan.
|Cash Secured %||Interest Rate (variable)||APR (variable)||Sample Loan Amount||Total Amount Payable over 5 Years||Monthly Payment Amount|
|25% Cash Secured||7.75%||8%||€10,000||€12,093.60||€201.56|
|50% Cash Secured||7.25%||7.5%||€10,000||€11,951.40||€199.19|
|75% Cash Secured||6.75%||7%||€10,000||€11,809.80||€196.83|
|100% Cash Secured||6.25%||6.4%||€10,000||€11,669.40||€194.49|
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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Applying is now easier than ever:
Approval is subject to our lending criteria terms & conditions. Minimum loan amount €10,000 and maximum loan amount €75,000. Minimum term is 6 months and maximum term is 10 years.
If you are over 18 and living in the Republic of Ireland, all you need for your loan application is:
For more details on what may be needed, see our required documents page.
How much would you like to borrow?
How much would you like to pay?
Loan Amount Loan Amount Change the loan amount to see what the monthly repayment would be. Close
Our ICE Visa Credit Card really is a more flexible way to pay, whether you're shopping online or on the high street you'll get all the great benefits.
Need help? Our Help and Support section is full of useful information.
If you want to save regularly, then we have a savings account for you. Learn more about your saving options.