Loans bring a much-needed help to manage planned purchases, emergency expenses, or other financial requirements. However, different circumstances demand different loan types.

At GoBigBucks, we offer a wide range of loan options for eligible borrowers in Ireland. Understand how loans work and then compare your options. Choose a borrowing option that fits your circumstances.

What is a loan?

A loan is a source of money that a lender provides on the agreement that you repay over a set term. You often repay the amount borrowed through regular instalments. It also includes applicable interest and other charges.

The cost of borrowing can differ according to the loan amount, repayment term, interest rate, and your individual circumstances. Always consider the applicable terms and total amount to repay before submitting an application.

How do loans work in Ireland?

You usually start the process by filling out an online application. You provide details about your circumstances, income, and the amount you want to borrow.

We assess your application against our lender’s eligibility and affordability criteria. If you get approval, review the offered loan amount, repayment schedule, interest rate and other mentioned terms.

If you are satisfied with all loan details, sign the agreement, and we will transfer the funds to your bank account.

Your repayments will usually continue according to the agreed schedule until the loan term ends.

What types of loans are available?

We have designed different loan products for varied financial needs. The most appropriate option depends on your circumstances, repayment capacity and qualification.

  • Personal Loans – These unsecured loans can help cover a variety of planned or unexpected personal expenses. The amount and repayment period available will depend on the applicable lending criteria.
  • Bad Credit Loans – A poor credit history can make finding suitable borrowing more difficult. Loans are designed for applicants whose credit history may affect their borrowing options.
  • Quick Loans – These loans can be considered when you need to address an unexpected financial requirement. The application and assessment process will depend on the lender and your circumstances.
  • Small Loans – Choose these loans when you only need to borrow a modest amount. They can help manage smaller expenses without borrowing more than necessary.
  • No Guarantor Loans – Loans with no guarantor needed are designed for applicants who do not have someone available to act as a guarantor. Eligibility and affordability requirements still apply.
  • Car Finance – It can help eligible applicants fund a vehicle purchase. The suitable option can depend on the vehicle, borrowing amount, and repayment arrangements.
  • Home Improvement Loans – These are more suitable to fund eligible repairs, renovations, upgrades, or energy-efficient improvements to your home.
  • Debt Consolidation Loans – If you are an eligible borrower, combine certain existing debts into one repayment with these options. Consider the total cost and terms before consolidating debts.
  • Small Business Loans – These borrowing options can provide funding for eligible business-related requirements. Available options depend on the business circumstances and applicable lending criteria.

What should you consider before taking a loan?

First, consider how much you genuinely need and whether the repayments are affordable before applying for a loan.

You should also consider :

  • The interest rate and APR
  • The total amount repayable
  • The repayment period
  • Your existing financial commitments
  • Any applicable fees or charges
  • What could happen if you miss repayments

Never borrow more than you can afford. Analyse your needs first, and then finalise a loan offer.

Explore loan options with GoBigBucks

We offer various borrowing options for eligible applicants in Ireland. Explore the available loan products to find an option that fits your needs and affordability.

Before applying, review the relevant product information, eligibility requirements, repayment terms, and total cost of borrowing.

Choose your loan option and start your application online today.

How to apply for a loan

Applying for an online loan at GoBigBucks is relatively simple. Choose a loan matches your needs, complete the online application, and provide the required information.

Your application will be assessed through a mandatory credit check. We do it softly to ensure no impact on your credit profile. However, the final assessment can include a detailed credit check to ensure an affordable loan deal for you.

To know more about the application procedure in detail, visit our How It Works page.

Frequently Asked Questions

Can I apply for a loan online in Ireland?

Yes, GoBigBucks allows eligible applicants to complete the application process online. Approval is subject to applicable eligibility and affordability criteria.

How do I choose the right type of loan?

You can choose the right type of loan by considering your borrowing needs, amount, and whether the repayments are manageable from your income. Based on these criteria, pick the loan option that best matches your circumstances.

Does each loan have the same repayment terms?

No. It largely depends on the individual circumstances, preferences, and type of loan. Loan amounts and interest rates are also the decisive factors.

Should I calculate the total cost before applying?

Yes, it is very important. You should always consider the interest, APR, applicable fees, monthly instalments, and total amount repayable before finalising any loan offer.