Application Agreement

In the following Authorisations, references to the singular include the plural where appropriate.

  1. I warrant that the details supplied to the Bank as part of my application for the Loan are now confirmed and accurate and I certify that I am not less than eighteen years of age.
  2. I irrevocably authorise the Bank: – (i) To open a Loan account (‘Account’) in my name which Account shall be subject to the terms and conditions of this Credit Agreement. (ii) To implement the necessary procedures to make the Loan available and to put the appropriate repayment schedule into place. (iii) To debit my Account with the amount of the Loan and to transfer funds or issue a cheque in the amount of the Loan as specified.
  3. I understand that you reserve the right to decline this or any future application without being required to state any reason and that no correspondence will be entered into in such circumstances.
  4. I understand that – unless the Bank has told me differently – the provision of my personal details by me to the Bank for the purposes of this application is a contractual requirement and/or necessary for the Bank to comply with its legal obligations.

    By signing this form, I acknowledge that I have read Bank of Ireland’s Data Privacy Summary provided with this Agreement.

    Please note that more detailed information is available in the full Bank of Ireland Data Privacy Notice which is available on request or at www.bankofireland.com/privacy

    This notice is a guide to how the Bank of Ireland Group processes personal data.

NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.

When the Central Credit Register goes live in 2018, you will be entitled to;

-get a copy of your credit record from the Central Bank (you can order one free copy per year)

-correct any errors on your credit record

-tell the Central Bank if you suspect you may have been impersonated

-ask the Central Bank to add a short explanation written by you to your credit record

To learn more about the register, and your rights and duties under the Credit Reporting Act 2013, please see www.centralcreditregister.ie