Loans and credit

Types of Credit
There are many different types of credit available to consumers in Ireland. You will find descriptions of the most popular types of credit here.

Credit issues and privacy
This document discusses your rights to privacy as a consumer if you are involved in a credit agreement.

Hire purchase agreements in Ireland
This document describes the law concerning hire purchase agreements in Ireland.

Annual Percentage Rate (APR)
Irish law stipulates how APR must be displayed and expressed on credit advertisements. What is APR and what is its significance?

Borrowing money in Ireland
Consumers in Ireland who borrow money are protected by legislation. Advice on getting the right loan for your needs and how to shop around for a loan.

Credit advertising in Ireland
This document describes the rules governing the advertising of credit to consumers in Ireland.

Credit History - the Irish Credit Bureau
The Irish Credit Bureau contains information about the performance of credit agreements between financial institutions (i.e., banks and building societies) and you (i.e., the citizen).

Moneylending in Ireland
Various laws regulating moneylending in Ireland. Moneylending is the practice of giving cash loans or supplying goods or services that are repaid at a high level of interest over a short period of time.

Banking Overdrafts
Strict rules are applied by banks and financial institutions in Ireland regarding overdrafts. How to apply for an overdraft from a financial institution and what to do if you experience difficulty in paying back an overdraft.

Paying for a home in Ireland
Loans for buying a home in Ireland are available from building societies, banks, and local authorities. There are different kinds of mortgages, and tax relief is available on interest payments.
This document is in: Housing > Owning a home > Help with buying a home

Equity release schemes
Equity release schemes enable you to turn some of the value of your home into cash. Information on the different types of schemes available and things to bear in mind about equity release.

Comparing interest on savings and loans
If you borrow money from a financial institution you will be charged interest. If you save money in a financial institution you will earn interest. Find out about the different terms used for interest charged or earned.
This document is in: Money and Tax > Personal finance > Savings and investments