Loans and credit

  • Overview

    Borrowing money
    Introduction to the different types of loans and how to choose the best loan for your needs.
  • An overdraft agreement allows you to spend more money than you have in your current account. Interest is charged on the amount you spend.

  • Get information about what a hire purchase (HP) agreement is, what costs are involved and your rights when you take out a HP agreement.

  • A moneylending loan is a short-term and high cost type of loan. It is known as high cost credit. Using a moneylender is one of the most expensive ways you can borrow money. Read about how moneylending is regulated and the rules that apply.

  • Describes how credit history databases work and how to access your credit history in the Central Credit Register.

  • There are detailed rules governing the advertising of financial services and credit. The Central Bank of Ireland monitors compliance with these rules.

  • This low-interest loan from participating credit unions is available to people who get a social welfare payment.

  • A mortgage is a long-term financial commitment. You need to assess your finances and ensure that you can manage the repayments. The Central Bank has set limits on the size of residential mortgages.
    This document is in: Help with buying a home

  • If you borrow money you will be charged interest. If you save money you will earn interest. Find out about the different terms used for interest charged or earned.
    This document is in: Savings and investments